# SignalDesk AI Loan Amortization Calculator

> SignalDesk AI Loan Amortization Calculator is a paid API for AI agents from x402-agent.kariguetoazul.workers.dev, paid per call via x402, $0.001/call, status unknown (last checked 2026-10-13).

Computes a full month-by-month loan amortization schedule from a principal, annual interest rate, and term in months

## Facts

- Endpoint: POST https://x402-agent.kariguetoazul.workers.dev/api/finance/amortization?utm_source=zero.xyz
- Price: $0.001/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-13
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/signaldesk-ai-loan-amortization-calculator-86dde00b
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_d3gQeVDUkAN4MYfzHJ1P9

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 signaldesk-ai-loan-amortization-calculator-86dde00b -d '<json body>'
```

Example prompt: Can you give me a full amortization schedule for a $12,000 loan at 12% annual interest over 12 months — I want to see how much goes to principal and interest each month?

## When to prefer this

Choose this endpoint when you need a deterministic, server-side amortization calculation with a full month-by-month schedule returned as structured JSON, especially in an agent workflow where the result will be parsed or displayed programmatically. Prefer this over manual calculation or spreadsheet tools when you want a reliable, bounded computation with consistent floating-point arithmetic up to 120 months.

## Known failure modes

- principal below 0 or above 1,000,000,000,000 returns validation error
- months below 1 or above 120 returns validation error
- annual_rate_percent above 1000 returns validation error
- missing required fields returns 400 bad request
- payment failure (x402) if USDC not provided or insufficient

## How this service works

Evidence-backed autonomous AI jobs and paid data tools. Queue/D1/cron run outside the chat; free quotas and bounded execution apply.

## Output

Returns a JSON object with a fixed monthly_payment amount, a full schedule array (one entry per month) containing the month number, payment amount, interest portion, principal portion, and remaining balance, plus a disclaimer notice that this is a calculation only and not financial advice.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "properties": {
  "months": {
   "type": "integer",
   "maximum": 120,
   "minimum": 1,
   "description": "Months; capped for bounded output."
  },
  "principal": {
   "type": "number",
   "maximum": 1000000000000,
   "minimum": 0,
   "description": "Amount in one consistent currency; floating-point calculation, not an accounting ledger."
  },
  "annual_rate_percent": {
   "type": "number",
   "maximum": 1000,
   "minimum": 0,
   "description": "Supplied percentage rate, not a fetched or recommended rate."
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {
  "notice": "Calculation from supplied inputs only; no tax, investment or lending advice.",
  "schedule": [
   {
    "month": 1,
    "balance": 1105.38145358599,
    "payment": 106.6185464140101,
    "interest": 12,
    "principal": 94.61854641401005
   },
   {
    "month": 2,
    "balance": 1009.81672170784,
    "payment": 106.6185464140101,
    "interest": 11.0538145358599,
    "principal": 95.56473187815016
   },
   {
    "month": 3,
    "balance": 913.2963425109081,
    "payment": 106.6185464140101,
    "interest": 10.0981672170784,
    "principal": 96.52037919693166
   },
   {
    "month": 4,
    "balance": 815.8107595220071,
    "payment": 106.6185464140101,
    "interest": 9.13296342510908,
    "principal": 97.48558298890097
   },
   {
    "month": 5,
    "balance": 717.3503207032171,
    "payment": 106.6185464140101,
    "interest": 8.15810759522007,
    "principal": 98.46043881878998
   },
   {
    "month": 6,
    "balance": 617.9052774962393,
    "payment": 106.6185464140101,
    "interest": 7.173503207032171,
    "principal": 99.44504320697789
   },
   {
    "month": 7,
    "balance": 517.4657838571916,
    "payment": 106.6185464140101,
    "interest": 6.179052774962392,
    "principal": 100.4394936390477
   },
   {
    "month": 8,
    "balance": 416.0218952817535,
    "payment": 106.6185464140101,
    "interest": 5.174657838571916,
    "principal": 101.4438885754381
   },
   {
    "month": 9,
    "balance": 313.5635678205609,
    "payment": 106.6185464140101,
    "interest": 4.160218952817535,
    "principal": 102.4583274611925
   },
   {
    "month": 10,
    "balance": 210.0806570847565,
    "payment": 106.61854641401,
    "interest": 3.13563567820561,
    "principal": 103.4829107358044
   },
   {
    "month": 11,
    "balance": 105.562917241594,
    "payment": 106.6185464140101,
    "interest": 2.100806570847565,
    "principal": 104.5177398431625
   },
   {
    "month": 12,
    "balance": 0,
    "payment": 106.6185464140099,
    "interest": 1.05562917241594,
    "principal": 105.562917241594
   }
  ],
  "monthly_payment": 106.6185464140101
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/signaldesk-ai-loan-amortization-calculator-86dde00b/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from x402-agent.kariguetoazul.workers.dev](https://www.zero.xyz/host/x402-agent.kariguetoazul.workers.dev/llms.txt)