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Saylor Innovations APR Calculator
x402
Saylor Innovations APR Calculator is a paid API for AI agents from saylorinnovations.com, paid per call via x402, $0.01/call, status unknown (last checked 2026-10-30).
Computes the true APR, effective annual rate, and total cost of credit for a loan given amount, payment, term, and upfront fees
Price / call$0.01
Success—
StatusUnknown
How this service works
Solve the true APR and effective annual rate of a loan from amount, level payment, number of payments and upfront fees, with total cost of credit.
Output
Returns the solved monthly interest rate, nominal APR (monthly rate × 12), effective annual rate (with monthly compounding), total amount paid, total cost of credit (total paid minus amount received after fees), cost per $100 borrowed, and a plain-language note on interpreting the result.
Example use cases
Compare true cost of two loan offers
“I have two personal loan offers — one is $15,000 at $450/month for 36 months with no fees, the other is $15,000 at $420/month for 36 months but with a $500 origination fee. Can you calculate the true APR and total cost of credit for the second one so I can compare them properly?”
Verify advertised APR on auto loan
“The dealership says my car loan APR is 6.9%, but I'm borrowing $22,000, paying $675 a month for 36 months, and there's a $300 documentation fee deducted from the proceeds. Can you solve for the actual APR to see if they're quoting it correctly?”
Estimate real cost of payday-style installment loan
“I'm looking at a short-term loan — I'd receive $500, make 6 monthly payments of $110, and there's a $50 fee taken off the top. What's the true APR and cost of credit per $100 borrowed on that?”
Technical details
Endpoint
GEThttps://saylorinnovations.com/api/finance/apr-from-payment?utm_source=zero.xyzWhen to prefer
Use this endpoint when you need to compute the true borrowing cost of a fixed-payment loan, especially when upfront fees distort the nominal rate. It is ideal for comparing loan offers on an apples-to-apples APR basis, verifying lender-quoted rates, or surfacing the total cost of credit. Prefer this over generic financial calculators when you need both APR and EAR with fee-adjusted proceeds in a single call.
Side effects
- Missing required query parameters (loan_amount, payment, months) returns an error
- No mathematical solution exists if payment is too low to cover interest — solver may return an error or zero rate
- Very large or very small values may cause numerical solver instability
- Non-numeric string inputs for numeric fields will cause a parse error
- Upfront fees exceeding loan amount produce a zero or negative amount_received edge case
Input
Schema · Request body
| Field | Type | Description |
|---|---|---|
| inputrequired | object | |
| output | object |
Tags
x402
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