# Loan Amortization Schedule Calculator

> Loan Amortization Schedule Calculator is a paid API for AI agents from x402.agentutility.ai, paid per call via x402, $0.01/call, status unknown (last checked 2026-09-14).

Computes a full loan amortization schedule including monthly payment, payoff timeline, total interest paid, and interest savings from extra payments.

## Facts

- Endpoint: POST https://x402.agentutility.ai/amortization-schedule
- Price: $0.01/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-schedule-calculator-3bcb4186
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_3G6c1wqDZXGHP-Tyyrbdq

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-schedule-calculator-3bcb4186 -d '<json body>'
```

Example prompt: Can you calculate the amortization schedule for a $350,000 mortgage at 6.75% annual interest over 30 years, and also show me how much interest I'd save if I paid an extra $300 per month?

## When to prefer this

Choose this endpoint when you need a detailed amortization breakdown — monthly payment, total interest, payoff timeline, and a graded risk/quality score — especially when evaluating loan affordability or impact of extra payments. Prefer it over generic calculators when you want a machine-readable score, DSCR analysis, and a recommendation string suitable for automated financial decision workflows. It pays per call via USDC, making it appropriate for agent-driven finance automation where auditability matters.

## Known failure modes

- Missing required fields (principal or annual_rate) returns a validation error
- Negative or zero principal/rate values may produce nonsensical results
- Term not specified (no term_months or term_years) may default or error
- Extremely large principal values could produce overflow edge cases
- Malformed JSON body returns HTTP 400

## How this service works

Computes a loan's amortization schedule and payment breakdown. Same backend as loan-amortization-calculator, focused on scheduled payment, payoff months, total paid, and interest saved. Use it as an amortization schedule API, loan payment schedule, or debt amortization calculator.

## Output

Returns a structured JSON with a loan grade (e.g. 'strong'), a numeric score (0-100), monthly payment amount, total months to payoff, total interest paid, DSCR driver details with scores and weights, any warnings, a recommendation string (e.g. 'Proceed with standard diligence'), and the calculator identifier. All figures are computed deterministically with no external API dependencies.

## 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",
    "bodyType",
    "body"
   ],
   "properties": {
    "body": {
     "required": [
      "principal",
      "annual_rate"
     ],
     "properties": {
      "principal": {
       "type": "number",
       "description": "Initial loan principal."
      },
      "term_years": {
       "type": "number",
       "description": "Alternative loan term in years when term_months is omitted."
      },
      "annual_rate": {
       "type": "number",
       "description": "Annual interest rate as percent."
      },
      "term_months": {
       "type": "number",
       "description": "Loan term in months."
      },
      "extra_monthly_payment": {
       "type": "number",
       "description": "Optional extra monthly principal payment. Default 0."
      }
     }
    },
    "type": {
     "type": "string",
     "const": "http"
    },
    "method": {
     "enum": [
      "POST"
     ],
     "type": "string"
    },
    "bodyType": {
     "enum": [
      "json",
      "form-data",
      "text"
     ],
     "type": "string"
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string"
    },
    "example": {
     "type": "object",
     "properties": {
      "grade": {
       "type": "string"
      },
      "score": {
       "type": "number"
      },
      "source": {
       "type": "string"
      },
      "drivers": {
       "type": "array",
       "items": {
        "type": "object",
        "properties": {
         "name": {
          "type": "string"
         },
         "note": {
          "type": "string"
         },
         "score": {
          "type": "number"
         },
         "weight": {
          "type": "number"
         }
        }
       }
      },
      "metrics": {
       "type": "object",
       "properties": {
        "payoff_months": {
         "type": "integer"
        },
        "total_interest": {
         "type": "number"
        },
        "total_monthly_payment": {
         "type": "number"
        }
       }
      },
      "warnings": {
       "type": "array"
      },
      "calculator": {
       "type": "string"
      },
      "recommendation": {
       "type": "string"
      }
     }
    }
   }
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {
  "grade": "strong",
  "score": 74.2,
  "source": "deterministic in-process finance calculator; no upstream API",
  "drivers": [
   {
    "name": "debt_service_coverage",
    "note": "1.42x DSCR",
    "score": 83.6,
    "weight": 0.3
   }
  ],
  "metrics": {
   "payoff_months": 300,
   "total_interest": 476553.25,
   "total_monthly_payment": 2988.51
  },
  "warnings": [],
  "calculator": "loan-amortization-calculator",
  "recommendation": "Proceed with standard diligence and covenant checks."
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/loan-amortization-schedule-calculator-3bcb4186/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from x402.agentutility.ai](https://www.zero.xyz/host/x402.agentutility.ai/llms.txt)