# Loan Amortization Calculator

> Loan Amortization Calculator is a paid API for AI agents from anibalb.duckdns.org, paid per call via x402, $0.002/call, status unknown (last checked 2026-10-31).

Computes a full loan amortization schedule including monthly payment, per-period interest and principal breakdown, and total interest paid

## Facts

- Endpoint: GET https://anibalb.duckdns.org/x402/loan-amortization?utm_source=zero.xyz
- Price: $0.002/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-31
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/loan-amortization-calculator-c37667e0
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_INXnfYk2uGVItZlr1pAn8

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-c37667e0
```

Example prompt: Can you calculate the full amortization schedule for a $10,000 loan at 5% annual interest over 5 years, showing me each month's payment, interest, and remaining balance?

## When to prefer this

Choose this endpoint when you need a detailed, period-by-period amortization breakdown for a fixed-rate loan — especially useful for agents doing financial planning, loan comparison, or mortgage analysis. It is pay-per-call with no account setup required, making it ideal for on-demand calculations without API key management. Prefer this over generic financial APIs when you need the full schedule (not just the monthly payment) in a single structured response.

## Known failure modes

- Missing required query parameters (loan amount, rate, or term) returns an error or empty response
- Invalid numeric values (negative principal, zero term) may return computation errors
- Rate or term values outside supported ranges may produce unexpected results
- Network or payment failure via x402 protocol returns 402 Payment Required

## How this service works

Public data and utility APIs paid per call in USDC on Base (x402). No accounts, no API keys. 174 routes: crypto/equity data, onchain reads, DNS/email/security intel, geo/weather, x402 payment diagnostics, dev utilities and more.

## Output

Returns a JSON object containing: an array 'schedule' with one entry per payment period (period number, remaining balance, interest paid, principal paid), the fixed 'monthly_payment' amount, and 'total_interest' paid over the life of the loan.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "$schema": "https://json-schema.org/draft/2020-12/schema",
 "required": [
  "input"
 ],
 "properties": {
  "input": {
   "type": "object",
   "required": [
    "type",
    "method"
   ],
   "properties": {
    "type": {
     "type": "string",
     "const": "http"
    },
    "method": {
     "enum": [
      "GET",
      "HEAD",
      "DELETE"
     ],
     "type": "string"
    },
    "queryParams": {
     "type": "object",
     "properties": {}
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string"
    },
    "example": {
     "type": "object"
    }
   }
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {
  "schedule": [
   {
    "period": 1,
    "balance": 9852.95,
    "interest": 41.67,
    "principal": 147.05
   }
  ],
  "total_interest": 1323.24,
  "monthly_payment": 188.71
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/loan-amortization-calculator-c37667e0/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from anibalb.duckdns.org](https://www.zero.xyz/host/anibalb.duckdns.org/llms.txt)