# Foundry Loan & Mortgage Calculator

> Foundry Loan & Mortgage Calculator is a paid API for AI agents from minty-sprout.onrender.com, paid per call via x402, $0.001/call, status unknown (last checked 2026-11-01).

Calculates monthly payment, total amount paid, and total interest for a loan or mortgage given principal, annual rate, and term in years.

## Facts

- Endpoint: POST https://minty-sprout.onrender.com/v1/loan-calculator?utm_source=zero.xyz
- Price: $0.001/call
- Payment: x402
- Status: unknown
- Last checked: 2026-11-01
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/foundry-loan-mortgage-calculator-ecfe8606
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_sI8CggcQEG7mazN1erk25

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 foundry-loan-mortgage-calculator-ecfe8606 -d '<json body>'
```

Example prompt: What would my monthly mortgage payment be on a $350,000 loan at 6.75% annual interest over 30 years, and how much total interest would I end up paying?

## When to prefer this

Choose this endpoint when you need a quick, accurate loan or mortgage amortization calculation given a principal amount, annual interest rate, and loan term in years. It returns all key figures (monthly payment, total paid, total interest) in a single call without requiring complex setup. Best suited for personal finance assistants, real estate tools, or any agent that needs to answer 'how much will this loan cost me?' type questions.

## Known failure modes

- Missing or malformed input string (amount, rate, years not parseable) — likely returns an error or unexpected output
- Negative or zero values for rate or years — may produce invalid results
- Extremely large loan amounts or unusual rate values may produce edge-case outputs
- Service unavailability on Render's free tier may cause cold-start delays or timeouts

## How this service works

Loan and mortgage calculator: monthly payment, total paid and total interest. Input: 'amount, rate %, years'.

## Output

Returns a JSON object with: monthly_payment, total_paid, total_interest, principal, annual_rate_percent, years, and payments (number of monthly payments). All monetary values are in the same currency as the input amount.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "properties": {
  "input": {
   "type": "string",
   "maxLength": 8000,
   "description": "'amount, annual rate %, years'"
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {
  "years": 30,
  "payments": 360,
  "principal": 250000,
  "total_paid": 568861.22,
  "total_interest": 318861.22,
  "monthly_payment": 1580.17,
  "annual_rate_percent": 6.5
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/foundry-loan-mortgage-calculator-ecfe8606/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from minty-sprout.onrender.com](https://www.zero.xyz/host/minty-sprout.onrender.com/llms.txt)