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Loan & Mortgage Calculator
x402
Loan & Mortgage Calculator is a paid API for AI agents from bess-x402.onrender.com, paid per call via x402, $0.002/call, status unknown (last checked 2026-10-30).
Calculates periodic payment, total interest, payoff date, and amortization schedule for any loan or mortgage, including the effect of extra principal payments.
Price / call$0.002
Success—
StatusUnknown
How this service works
Amortizing loan or mortgage: periodic payment, total interest, payoff date, effect of extra payments and a yearly or full payment schedule. Any payment frequency.
Output
Returns the periodic payment amount, total interest paid over the life of the loan, payoff date, and optionally a yearly or full per-period amortization schedule showing principal, interest, and remaining balance for each period. Also reflects the impact of any extra principal payments on payoff date and interest savings.
Example use cases
Home mortgage payment planning
“I'm taking out a $450,000 mortgage at 6.25% for 30 years starting 2025-09-01 — what will my monthly payment be and how much total interest will I pay? Show me a yearly payment schedule.”
Savings from extra payments
“If I have a $250,000 personal loan at 8% over 10 years with monthly payments, how much sooner will I pay it off and how much interest will I save if I throw an extra $300 at the principal every month?”
Biweekly payment schedule
“What would my biweekly payments be on a $180,000 car loan at 5.5% over 5 years starting 2025-07-15, and can you show me the full amortization schedule?”
Technical details
Endpoint
GEThttps://bess-x402.onrender.com/v1/finance/loan?utm_source=zero.xyzWhen to prefer
Choose this endpoint when you need a complete amortization breakdown — including extra payment impact, flexible payment frequency (weekly, biweekly, monthly, etc.), payoff date, and full or yearly schedules — rather than a simple one-off payment estimate. Ideal for mortgage planning, personal loan analysis, and any scenario requiring detailed repayment projections.
Side effects
- Missing required parameters (principal, annual_rate_pct, years) returns a 400 error
- Invalid payments_per_year value (not in 1,2,4,12,24,26,52) may return an error or unexpected result
- Negative or zero principal or rate values may cause computation errors
- Invalid start_date format (not YYYY-MM-DD) returns a parsing error
- Service unavailable on Render cold-start may cause timeout
Input
Schema · Request body
| Field | Type | Description |
|---|---|---|
| inputrequired | object | |
| output | object |
Tags
x402
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