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MoneyTools Loan & Mortgage Amortization Calculator
x402
MoneyTools Loan & Mortgage Amortization Calculator is a paid API for AI agents from tools.moneytools.dev, paid per call via x402, $0.001/call, status unknown (last checked 2026-11-05).
Calculates monthly payment, total interest, and full amortization schedule for annuity (equal-payment) or equal-principal loans
Price / call$0.001
Success—
StatusUnknown
How this service works
Loan / mortgage amortization: Monthly payment, total interest and schedule for annuity (本息平均攤還) or equal-principal (本金平均攤還) loans. Free tier 10/day; then $0.001 via x402 (HTTP 402 + PAYMENT-REQUIRED) or X-API-Key credits. Not charged on failure. $0.001 USDC per call via x402 on Base. Run by MoneyTools.
Output
Returns a JSON object containing the computed monthly payment amount, total interest over the loan term, and a full period-by-period amortization schedule showing principal and interest portions. Also includes payment metadata indicating whether the free tier was used or a $0.001 USDC charge was applied via x402 on Base.
Example use cases
Home mortgage monthly payment estimate
“I'm buying a house and taking out a 5,000,000 TWD mortgage at 1.8% annual interest for 20 years — can you tell me my monthly payment and how much total interest I'll pay using the annuity method?”
Equal-principal loan cost comparison
“Calculate an equal-principal repayment schedule for a 2,000,000 TWD loan at 3.5% annual interest over 60 months — I want to see how each month's payment changes over time.”
Business loan total cost projection
“My company is taking out a 50,000,000 TWD annuity loan at 2.5% annual rate for 7 years (84 months) — give me the full amortization schedule so I can see the total interest cost.”
Technical details
Endpoint
GEThttps://tools.moneytools.dev/v1/loan?utm_source=zero.xyzWhen to prefer
Choose this endpoint when you need precise, structured loan amortization data including a full payment-by-payment schedule, particularly for Taiwan-focused financial contexts or when you want both annuity and equal-principal methods available. It is micro-priced at $0.001 USDC per call after a free daily tier, making it suitable for lightweight agent workflows that need on-demand mortgage math without integrating a full financial library.
Side effects
- Missing required parameters (principal, annualRate, months) returns an error without charge
- Invalid or negative numeric values may return a validation error
- Rate limit exceeded on free tier (10/day) triggers HTTP 402 requiring x402 payment or API key
- Network or server errors return non-200 status without charging the caller
Input
Schema · Request body
| Field | Type | Description |
|---|---|---|
| inputrequired | object | |
| output | object |
Output
Schema · Response
{
"type": "json"
}Tags
x402
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