# Saylor Innovations Loan Amortization Calculator

> Saylor Innovations Loan Amortization Calculator is a paid API for AI agents from saylorinnovations.com, paid per call via x402, $0.01/call, status unknown (last checked 2026-10-17).

Calculates a full loan amortization schedule including monthly payment, total interest, payoff timeline, first 12 monthly payment details, and savings from an optional extra monthly payment

## Facts

- Endpoint: GET https://saylorinnovations.com/api/calc/amortization?utm_source=zero.xyz
- Price: $0.01/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-17
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/saylor-innovations-loan-amortization-calculator-3a3630a4
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_rKyIumZ0xEUxBbdkTasYV

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-loan-amortization-calculator-3a3630a4
```

Example prompt: Can you work out the full amortization schedule for a $250,000 mortgage at 6.75% over 30 years, and also show me how much I'd save by throwing an extra $150 a month at it?

## When to prefer this

Choose this endpoint when you need a complete loan amortization schedule with month-by-month and year-by-year breakdowns, especially when you also want to quantify the impact of extra monthly payments. It is ideal for financial planning agents handling mortgage, auto loan, or personal loan scenarios where the user wants both a payment figure and a full repayment timeline rather than just a simple monthly payment estimate.

## Known failure modes

- Missing required query parameters (principal, rate, or years) returns an error response
- Non-numeric values for principal, rate, or years cause a computation error
- Extremely large principal or interest values may produce unexpected results
- Zero or negative principal/rate/years may return an error or nonsensical schedule
- Payment gateway failure (x402) if USDC balance is insufficient returns a 402 status

## How this service works

Loan amortization schedule calculator - monthly payment, total interest, payoff time and first 12 payments, with savings from an extra monthly payment

## Output

A JSON object containing the computed monthly payment, total interest paid, total amount paid, payoff duration in months, a breakdown of the first 12 monthly payments (principal, interest, balance per month), a yearly summary array showing cumulative principal paid, interest paid, and remaining balance per year, plus optional fields for extra payment and savings when an extra payment is provided.

## 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": [
      "principal",
      "rate",
      "years"
     ],
     "properties": {
      "rate": {
       "type": "string",
       "description": "Annual interest rate in percent"
      },
      "years": {
       "type": "string",
       "description": "Loan term in years"
      },
      "principal": {
       "type": "string",
       "description": "Loan amount"
      },
      "extra_payment": {
       "type": "string",
       "description": "optional extra monthly payment"
      }
     }
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string",
     "const": "json"
    },
    "example": {
     "type": "object",
     "required": [
      "monthly_payment",
      "total_interest",
      "payoff_months"
     ],
     "properties": {
      "method": {
       "type": [
        "string",
        "null"
       ],
       "description": "Method used"
      },
      "yearly": {
       "type": "array",
       "items": {
        "type": "object",
        "properties": {
         "year": {
          "type": "number",
          "description": "Calendar year"
         },
         "balance": {
          "type": "number",
          "description": "Balance in whole units"
         },
         "interest_paid": {
          "type": "number",
          "description": "Interest paid"
         },
         "principal_paid": {
          "type": "number",
          "description": "Principal paid"
         }
        }
       },
       "description": "Yearly values"
      },
      "principal": {
       "type": [
        "number",
        "null"
       ],
       "description": "Starting principal amount"
      },
      "checked_at": {
       "type": [
        "string",
        "null"
       ],
       "description": "Time the check was run (UTC)"
      },
      "total_paid": {
       "type": "number",
       "description": "Total paid"
      },
      "term_months": {
       "type": [
        "number",
        "null"
       ],
       "description": "Ter
… (truncated)
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/saylor-innovations-loan-amortization-calculator-3a3630a4/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)