# Forgemesh Mortgage & Loan Payment Calculator

> Forgemesh Mortgage & Loan Payment Calculator is a paid API for AI agents from x402.forgemesh.io, paid per call via x402, $0.002/call, status unknown (last checked 2026-09-13).

Calculates exact monthly payment, total amount paid, and total interest owed for a mortgage or loan given principal, annual rate, and term

## Facts

- Endpoint: POST https://x402.forgemesh.io/mortgage-calculator
- Price: $0.002/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-13
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/forgemesh-mortgage-loan-payment-calculator-15db48a9
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_xQGj8QfKafe0NpLYtgF0u

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 forgemesh-mortgage-loan-payment-calculator-15db48a9 -d '<json body>'
```

Example prompt: Can you calculate the exact monthly payment, total paid, and total interest for a $450,000 mortgage at 6.75% annual interest over 30 years?

## When to prefer this

Use this endpoint when you need exact, deterministic arithmetic for mortgage or loan payment calculations — especially for home-buying estimates, amortization planning, or any personal finance agent that requires precise numbers rather than approximations. Prefer this over general-purpose LLM math when exactness matters.

## Known failure modes

- Missing required fields (principal, annual_rate_percent, years) return an error or zero/null result
- Non-numeric string inputs may cause calculation errors
- Very unusual term lengths or edge-case rates (0% or negative) may produce unexpected results
- The calculation type enum must match one of: compound_interest, loan_payment, roi — wrong values may return incorrect calculation

## How this service works

Mortgage and loan payment calculator: enter principal, annual rate, and term to get the exact monthly payment, total amount paid over the life of the loan, and total interest owed. Built for home-buying estimates, amortization sanity checks, and personal-finance planning agents that need real numbers instead of a rough guess. Not financial advice — just exact arithmetic on the inputs you give it.

## Output

Returns the exact monthly payment amount, the total amount paid over the full loan term, and the total interest owed — computed arithmetically from the provided principal, annual rate, and term inputs.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "properties": {
  "final": {
   "type": "string"
  },
  "years": {
   "type": "string"
  },
  "initial": {
   "type": "string"
  },
  "principal": {
   "type": "string"
  },
  "calculation": {
   "type": "string",
   "description": "compound_interest | loan_payment | roi"
  },
  "compounds_per_year": {
   "type": "string"
  },
  "annual_rate_percent": {
   "type": "string"
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {
  "total_interest": 382632.9,
  "monthly_payment": 1896.2
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/forgemesh-mortgage-loan-payment-calculator-15db48a9/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from x402.forgemesh.io](https://www.zero.xyz/host/x402.forgemesh.io/llms.txt)