# Loan Amortization Calculator

> Loan Amortization Calculator is a paid API for AI agents from x402toll.com, paid per call via x402, $0.05/call, status unknown (last checked 2026-09-14).

Computes monthly payment, total interest paid, and a year-by-year balance schedule for any loan given APR, amount, and term.

## Facts

- Endpoint: POST https://x402toll.com/v1/lending/amortization
- Price: $0.05/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-14
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/loan-amortization-calculator-431d3b4a
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_YdEq6O_T5tufKWsvJKqeI

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 loan-amortization-calculator-431d3b4a -d '<json body>'
```

Example prompt: Can you work out the monthly payment and show me a year-by-year balance breakdown for a $250,000 loan at 6.5% APR over 360 months?

## When to prefer this

Use this endpoint when you need a complete amortization breakdown — monthly payment, total interest, and year-by-year balance — for any fixed-rate loan. Prefer this over generic financial calculators when you need structured, programmatic output suitable for downstream analysis or display.

## Known failure modes

- Missing required fields (apr, loanAmount, termMonths) returns a 400-level error
- Invalid data types (e.g. string instead of number) cause validation failure
- APR of 0 or negative values may produce undefined behavior
- Term of 0 months is invalid and will fail
- Payment gateway failure may return 402 if USDC payment is not processed

## How this service works

Amortized monthly payment, total interest, and a year-by-year balance schedule for any loan.

## Output

Returns the fixed monthly payment amount, total interest paid over the life of the loan, and a year-by-year schedule showing the remaining balance at the end of each year.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "properties": {
  "apr": {
   "type": "number"
  },
  "loanAmount": {
   "type": "number"
  },
  "termMonths": {
   "type": "number"
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/loan-amortization-calculator-431d3b4a/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from x402toll.com](https://www.zero.xyz/host/x402toll.com/llms.txt)