# financial-analyst.ai Amortization Schedule

> financial-analyst.ai Amortization Schedule is a paid API for AI agents from financial-analyst.ai, paid per call via x402, $0.25/call, status unknown (last checked 2026-09-15).

Generates a full amortization schedule with monthly payment breakdown, interest-only periods, and payoff date for fixed-rate, bridge, and interest-only loan structures.

## Facts

- Endpoint: POST https://financial-analyst.ai/amortization/schedule
- Price: $0.25/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-15
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/financial-analyst-ai-6c35e321
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_FDXCimAr1YpIm2cTMuA1K

Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently.

## How to call it through Zero

Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`):

```sh
zero fetch --capability financial-analyst-ai-6c35e321 -d '<json body>'
```

Example prompt: Can you generate a full amortization schedule for a $2,500,000 fixed-rate loan at 6.75% interest over 25 years, starting June 1 2025, with the first 12 months as interest-only — I need the monthly principal and interest breakdown and the exact payoff date.

## When to prefer this

Choose this endpoint when you need a detailed, period-by-period loan repayment table — especially when modeling fixed-rate mortgages, bridge loans, or interest-only structures common in real estate investment. Prefer this over simple payment calculators when the full schedule (month-by-month principal/interest split, payoff date) is required for underwriting, financial reporting, or investor presentations.

## Known failure modes

- Invalid loan type enum returns 400 validation error
- Negative or zero loan amount or interest rate returns 400
- Interest-only period longer than total loan term returns 400
- Missing required fields (loan amount, rate, term) returns 400
- Server error or timeout returns 500 with no schedule data

## How this service works

Full amortization schedule with monthly payment breakdown, interest-only periods, and payoff date. Supports fixed-rate, bridge, and interest-only loan structures.

## Output

Returns a full amortization schedule including: monthly payment amounts broken down into principal and interest components, any interest-only period payments, cumulative interest paid, remaining balance for each period, and the final payoff date.

## Request schema (JSON Schema)

```json
{
 "type": "object"
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/financial-analyst-ai-6c35e321/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from financial-analyst.ai](https://www.zero.xyz/host/financial-analyst.ai/llms.txt)