# finmath Loan Amortization

> finmath Loan Amortization is a paid API for AI agents from finmath.qzqh5rrbkz.workers.dev, paid per call via x402, $0.003/call, status unknown (last checked 2026-09-15).

Computes a full loan amortization schedule given principal, annual interest rate, and loan term in months

## Facts

- Endpoint: POST https://finmath.qzqh5rrbkz.workers.dev/v1/loan_amortization
- Price: $0.003/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-15
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/finmath-loan-amortization-4fa0a203
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_DH0cgurqO4A1xBlM7EdDV

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 finmath-loan-amortization-4fa0a203 -d '<json body>'
```

Example prompt: Can you generate a full amortization schedule for a $250,000 mortgage at 6.75% annual interest rate over 360 months — I want to see the principal vs interest breakdown each month?

## When to prefer this

Use this endpoint when you need exact, deterministic loan amortization math rather than an LLM approximation. Ideal for mortgage calculators, loan comparison tools, or any financial agent workflow requiring precise principal/interest schedules. Prefer over general-purpose LLMs which are prone to arithmetic errors on multi-period financial computations.

## Known failure modes

- Missing required fields (n_months, principal, or annual_rate) returns a 400 error
- Non-positive principal or n_months causes calculation error
- Annual rate of 0 may require special-case handling (returns flat principal division)
- Payment failure via x402 protocol returns 402 if USDC balance is insufficient
- Extremely large n_months values may produce very large payloads

## How this service works

Deterministic finance and crypto math for AI agents: TradFi (NPV, IRR, XIRR, Black-Scholes + Greeks, bonds, VaR, Sharpe) and DeFi (impermanent loss, perp liquidation, funding, Uniswap v3, health factor, cost basis). Exact, model-free arithmetic that LLMs get wrong — priced per call in USDC.

## Output

Returns a structured result containing the full monthly amortization schedule with per-period breakdown of payment amount, principal repaid, interest charged, and remaining balance, plus metadata about the computation.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "required": [
  "n_months",
  "principal",
  "annual_rate"
 ],
 "properties": {
  "n_months": {
   "type": "number",
   "description": "n_months"
  },
  "principal": {
   "type": "number",
   "description": "principal"
  },
  "annual_rate": {
   "type": "number",
   "description": "annual_rate"
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "object",
 "required": [
  "result",
  "meta"
 ],
 "properties": {
  "meta": {
   "type": "object"
  },
  "result": {}
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/finmath-loan-amortization-4fa0a203/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from finmath.qzqh5rrbkz.workers.dev](https://www.zero.xyz/host/finmath.qzqh5rrbkz.workers.dev/llms.txt)