# MoneyTools Loan & Mortgage Amortization Calculator

> 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

## Facts

- Endpoint: GET https://tools.moneytools.dev/v1/loan?utm_source=zero.xyz
- Price: $0.001/call
- Payment: x402
- Status: unknown
- Last checked: 2026-11-05
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/moneytools-loan-mortgage-amortization-calculator-6e1ada2e
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_F0SQCS_w_LiVxipmEbp4J

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 moneytools-loan-mortgage-amortization-calculator-6e1ada2e
```

Example prompt: Can you calculate the monthly payment and full amortization schedule for a 10,000,000 TWD annuity mortgage at 2.2% annual interest over 30 years (360 months)?

## When to prefer this

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.

## Known failure modes

- 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

## 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.

## 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": {
     "const": "http"
    },
    "method": {
     "const": "GET"
    },
    "queryParams": {
     "type": "object",
     "required": [
      "principal",
      "annualRate",
      "months"
     ],
     "properties": {
      "method": {
       "type": "string",
       "examples": [
        "annuity"
       ],
       "description": "annuity | equal-principal"
      },
      "months": {
       "type": "number",
       "examples": [
        "360"
       ],
       "description": "term in months"
      },
      "principal": {
       "type": "number",
       "examples": [
        "10000000"
       ],
       "description": "loan amount"
      },
      "annualRate": {
       "type": "number",
       "examples": [
        "2.2"
       ],
       "description": "annual rate %"
      }
     }
    }
   }
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string",
     "const": "json"
    },
    "example": {
     "type": "object",
     "properties": {
      "payment": {
       "type": "object",
       "properties": {
        "charged": {
         "type": "boolean"
        },
        "network": {
         "type": "string"
        },
        "amountUsd": {
         "type": "string"
        },
        "transaction": {
         "type": [
          "string",
          "null"
         ]
        }
       }
      },
      "freeTier": {
       "type": "object"
      },
      "_moneytools": {
       "type": "object",
       "description": "optional plan / partner hints"
      }
     },
     "description": "Tool-specific JSON result (see llms.txt / openapi.json). Always includes payment info.",
     "additionalProperties": true
    }
   }
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "json"
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/moneytools-loan-mortgage-amortization-calculator-6e1ada2e/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from tools.moneytools.dev](https://www.zero.xyz/host/tools.moneytools.dev/llms.txt)