# GeekVault Loan Calculator

> GeekVault Loan Calculator is a paid API for AI agents from api.geekvault.dev, paid per call via x402, $0.002/call, status unknown (last checked 2026-10-30).

Calculates monthly payment, total paid, and total interest for a loan given principal, term, and annual interest rate

## Facts

- Endpoint: GET https://api.geekvault.dev/dev-tools/v1/loan-calculate?utm_source=zero.xyz
- Price: $0.002/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-30
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/geekvault-loan-calculator-1078d44a
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_dWIRQhBk_Tnj78_O95SLw

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 geekvault-loan-calculator-1078d44a
```

Example prompt: Can you calculate the monthly payment, total amount paid, and total interest for a $25,000 car loan over 60 months at 6.5% annual interest?

## When to prefer this

Use this endpoint when you need a quick, serverless loan amortization calculation without building your own math — especially in agentic workflows where the user provides principal, rate, and term and expects monthly payment and total interest instantly. No signup or API key required; pay per call with USDC on Base via x402.

## Known failure modes

- Missing required fields (principal, term_months, or annual_rate_percent) result in a 4xx error
- Non-numeric or negative values for principal or rate may cause validation errors
- term_months must be a positive integer; zero or negative values will likely fail
- Payment failure via x402 (insufficient USDC balance) will block the call before computation

## How this service works

Network, docs, image, web, and dev utility tools paid per call via x402. No signup, no API keys, no subscriptions — just USDC on Base.

## Output

Returns a JSON object with the original principal, annual rate, term in months, calculated monthly payment, total amount paid over the life of the loan, and total interest paid — all as floating-point numbers.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "required": [
  "principal",
  "term_months",
  "annual_rate_percent"
 ],
 "properties": {
  "principal": {
   "type": "number"
  },
  "term_months": {
   "type": "integer"
  },
  "annual_rate_percent": {
   "type": "number"
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "object",
 "required": [
  "principal",
  "annual_rate_percent",
  "term_months",
  "monthly_payment",
  "total_paid",
  "total_interest"
 ],
 "properties": {
  "principal": {
   "type": "number",
   "format": "double"
  },
  "total_paid": {
   "type": "number",
   "format": "double"
  },
  "term_months": {
   "type": "integer",
   "format": "int32",
   "minimum": 0
  },
  "total_interest": {
   "type": "number",
   "format": "double"
  },
  "monthly_payment": {
   "type": "number",
   "format": "double"
  },
  "annual_rate_percent": {
   "type": "number",
   "format": "double"
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/geekvault-loan-calculator-1078d44a/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from api.geekvault.dev](https://www.zero.xyz/host/api.geekvault.dev/llms.txt)