# Saylor Innovations APR Calculator

> 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

## Facts

- Endpoint: GET https://saylorinnovations.com/api/finance/apr-from-payment?utm_source=zero.xyz
- Price: $0.01/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-30
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/saylor-innovations-apr-calculator-41bc8bf3
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_Wa6nUKJOktTh5RDAFZ_mO

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 saylor-innovations-apr-calculator-41bc8bf3
```

Example prompt: What's the true APR and total cost of credit on a $10,000 loan where I pay $320 a month for 36 months and there's a $250 origination fee taken upfront?

## When to prefer this

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.

## Known failure modes

- 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

## 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.

## 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"
     ],
     "type": "string"
    },
    "queryParams": {
     "type": "object",
     "required": [
      "loan_amount",
      "payment",
      "months"
     ],
     "properties": {
      "months": {
       "type": "string",
       "description": "number of payments"
      },
      "payment": {
       "type": "string",
       "description": "level monthly payment"
      },
      "loan_amount": {
       "type": "string",
       "description": "amount borrowed"
      },
      "upfront_fees": {
       "type": "string",
       "description": "optional fees deducted from the proceeds"
      }
     }
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string",
     "const": "json"
    },
    "example": {
     "type": "object",
     "required": [
      "apr_percent",
      "total_cost_of_credit"
     ],
     "properties": {
      "note": {
       "type": "string",
       "description": "Plain-language caveat about how to read and use the result"
      },
      "months": {
       "type": "number",
       "description": "Number of payments"
      },
      "source": {
       "type": "string",
       "description": "Where the data or formula comes from"
      },
      "payment": {
       "type": "number",
       "description": "Level monthly payment"
      },
      "total_paid": {
       "type": "number",
       "description": "Payment times months"
      },
      "apr_percent": {
       "type": "number",
       "description": "Monthly rate times twelve, in percent"
      },
      "loan_amount": {
       "type": "number",
       "description": "Amount borrowed"
      },
      "upfront_fees": {
       "type": "number",
       "description": "Fees taken from the proceeds"
      },
      "amount_received": {
       "type": "number",
       "description": "Loan amount minus upfront fees"
      },
      "monthly_rate_percent": {
       "type": "number",
       "description": "Solved monthly interest rate"
      },
      "total_cost_of_credit": {
       "type": "number",
       "description": "Total paid minus amount received"
    
… (truncated)
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/saylor-innovations-apr-calculator-41bc8bf3/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from saylorinnovations.com](https://www.zero.xyz/host/saylorinnovations.com/llms.txt)