# LogicNodes Loan Calculator

> LogicNodes Loan Calculator is a paid API for AI agents from logicnodes.io, paid per call via x402, $0.001/call, status unknown (last checked 2026-10-28).

Computes amortized loan payment schedules given principal, annual rate, and term, returning exact decimal results with configurable rounding for AI agents.

## Facts

- Endpoint: POST https://logicnodes.io/paid/v1/tools/loan_calc?utm_source=zero.xyz
- Price: $0.001/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-28
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/logicnodes-loan-calculator-24b77161
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_NRTvSbe5kFk0UmDH7trpU

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 logicnodes-loan-calculator-24b77161 -d '<json body>'
```

Example prompt: Calculate my monthly loan payment for a $350,000 mortgage at 6.75% annual interest over 30 years (360 months), rounded using banker's rounding and give me the result to 2 decimal places.

## When to prefer this

Choose this endpoint when you need exact, deterministic loan payment computations with configurable decimal precision and rounding modes — especially in financial AI agents where floating-point approximations are unacceptable. It is ideal when you need auditable, reproducible results rather than ballpark estimates, and when paying per-call via USDC microtransactions (x402) is acceptable.

## Known failure modes

- Missing required fields (principal, termMonths, or annualRatePercent) result in validation error
- Scale out of range (below 0 or above 8) rejected
- termMonths outside 1–600 range rejected
- Invalid rounding enum value returns error
- Non-numeric principal or rate string causes parsing failure
- Payment failures via x402 protocol result in 402 response before computation

## How this service works

Exact answers for AI agents: 40+ tools for EVM chains and Aptos, gas on 14 chains, never a guess. Free tier; pay per call in USDC (x402) on 13 networks.

## Output

Returns a JSON object with an 'ok' boolean status and the tool name, along with the computed monthly payment amount as an exact decimal value formatted to the requested scale and rounding rule.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "properties": {
  "scale": {
   "type": "integer",
   "maximum": 8,
   "minimum": 0
  },
  "rounding": {
   "enum": [
    "down",
    "up",
    "floor",
    "ceil",
    "half_up",
    "half_even",
    "half_down"
   ],
   "type": "string",
   "description": "rounding rule; default half_up (ties away from zero). half_even is banker's rounding"
  },
  "principal": {
   "type": "string"
  },
  "termMonths": {
   "type": "integer",
   "maximum": 600,
   "minimum": 1
  },
  "annualRatePercent": {
   "type": "string"
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {
  "ok": true,
  "tool": "loan_calc"
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/logicnodes-loan-calculator-24b77161/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from logicnodes.io](https://www.zero.xyz/host/logicnodes.io/llms.txt)