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Loan Amortization Calculator
x402
Loan Amortization Calculator is a paid API for AI agents from finance.openverbs.com, paid per call via x402, $0.004/call, status unknown (last checked 2026-10-29).
Computes the level monthly payment, total paid, total interest, and optionally the full month-by-month amortization schedule for a fully-amortizing loan.
Price / call$0.004
Success—
StatusUnknown
How this service works
Compute the level monthly payment, total paid and total interest of a fully-amortizing loan. Handles a 0% rate. Set schedule=true to also return the full month-by-month amortization table.
Output
Returns the level monthly payment amount, total amount paid over the life of the loan, and total interest paid. If schedule=true is set, also returns a full month-by-month amortization table showing payment number, interest portion, principal portion, and remaining balance for each period.
Example use cases
Monthly mortgage payment estimation
“I'm looking at a $450,000 home loan at 7.1% annual interest over 30 years — what will my monthly payment be and how much interest will I pay in total?”
Car loan cost breakdown
“I want to finance a $28,000 car at 5.5% annual interest over 60 months. What's my monthly payment, and can you show me the full amortization schedule so I can see how the balance drops each month?”
Zero-interest promotional loan check
“If I borrow $5,000 at 0% interest and pay it back over 24 months, what will my monthly payment be and how much do I pay in total?”
Technical details
Endpoint
POSThttps://finance.openverbs.com/v1/loan?utm_source=zero.xyzWhen to prefer
Use this endpoint when you need to compute standard fully-amortizing loan metrics — monthly payment, total paid, and total interest — given a fixed principal, rate, and term. It correctly handles the 0% interest edge case and supports full amortization schedule output, making it ideal for mortgage, auto loan, personal loan, or any fixed-rate installment loan calculations. Prefer it over generic financial calculators when you need a structured, programmable result with optional per-period breakdown.
Side effects
- Missing required fields (principal, annualRatePercent, termMonths) returns a validation error
- Principal of 0 or negative is rejected (exclusiveMinimum: 0)
- termMonths outside 1–1200 range returns a validation error
- annualRatePercent outside 0–1000 range returns a validation error
- principal exceeding 1,000,000,000,000,000 returns a validation error
- Payment failure or insufficient USDC balance (x402 protocol) blocks the request
Input
Schema · Request body
| Field | Type | Description |
|---|---|---|
| schedule | boolean | Include the full amortization schedule. Default false. |
| principal | number | Loan principal (amount borrowed). |
| termMonths | integer | Loan term in months. |
| annualRatePercent | number | Annual interest rate as a percentage, e.g. 5 for 5%. |
Tags
x402
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