# Loan & Mortgage Calculator

> 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.

## Facts

- Endpoint: GET https://bess-x402.onrender.com/v1/finance/loan?utm_source=zero.xyz
- Price: $0.002/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-30
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/loan-mortgage-calculator-396526ea
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_GLQSvjsXeOhZ1zb-LB7Wv

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-mortgage-calculator-396526ea
```

Example prompt: Can you calculate my monthly mortgage payment on a $350,000 loan at 6.75% annual interest over 30 years starting 2025-08-01, and show me the full yearly amortization schedule with an extra $150 payment each month?

## When to prefer this

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.

## Known failure modes

- 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

## 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.

## 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",
     "required": [
      "principal",
      "annual_rate_pct",
      "years"
     ],
     "properties": {
      "years": {
       "type": "number",
       "description": "Term in years"
      },
      "schedule": {
       "type": "string",
       "description": "none, yearly or full"
      },
      "principal": {
       "type": "number",
       "description": "Amount borrowed"
      },
      "start_date": {
       "type": "string",
       "description": "First period YYYY-MM-DD"
      },
      "extra_payment": {
       "type": "number",
       "description": "Extra principal paid each period"
      },
      "annual_rate_pct": {
       "type": "number",
       "description": "Annual interest rate in %"
      },
      "payments_per_year": {
       "type": "integer",
       "description": "1, 2, 4, 12, 24, 26 or 52"
      }
     }
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string"
    },
    "example": {
     "type": "object"
    }
   }
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/loan-mortgage-calculator-396526ea/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from bess-x402.onrender.com](https://www.zero.xyz/host/bess-x402.onrender.com/llms.txt)