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SignalDesk AI Loan Payment Calculator
x402
SignalDesk AI Loan Payment 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).
Calculates monthly loan payment, total amount paid, and total interest from principal, annual rate, and loan term in months
Price / call$0.001
Success—
StatusUnknown
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: monthly_payment (fixed payment per period), total_paid (sum of all payments), total_interest (total interest charged over the life of the loan), and a disclaimer notice that results are for calculation purposes only and not financial advice.
Example use cases
Mortgage affordability check
“I'm thinking of taking out a $400,000 mortgage at 6.8% annual interest rate over 360 months — what would my monthly payment be and how much total interest would I end up paying?”
Car loan total cost estimate
“If I finance a $35,000 car at 7.2% annual rate for 60 months, what's my monthly payment and how much will I pay in total?”
Personal loan comparison
“Help me compare two personal loans: one is $15,000 at 9% for 36 months, and the other is $15,000 at 7.5% for 48 months — calculate the monthly payment and total interest for each.”
Technical details
Endpoint
POSThttps://x402-agent.kariguetoazul.workers.dev/api/finance/loan-payment?utm_source=zero.xyzWhen to prefer
Use this endpoint when you need a quick, deterministic fixed-rate loan payment calculation from supplied inputs — no live rate fetching, no credit checks, no tax advice. Ideal for agents embedding loan math into financial planning workflows, chatbots, or comparison tools that already have a principal, rate, and term ready to calculate.
Side effects
- Missing required fields (principal, annual_rate_percent, months) return a 400-level error
- annual_rate_percent or principal values outside allowed range (e.g. negative) are rejected
- months exceeding 1200 or below 1 are rejected
- Payment gateway failure (x402) if USDC payment not attached or insufficient
- Floating-point rounding in edge cases (e.g. 0% interest rate yields exact division)
Input
Schema · Request body
| Field | Type | Description |
|---|---|---|
| months | integer | Payments. |
| principal | number | Amount in one consistent currency; floating-point calculation, not an accounting ledger. |
| annual_rate_percent | number | Supplied percentage rate, not a fetched or recommended rate. |
Output
Schema · Response
{
"type": "json",
"example": {
"notice": "Calculation from supplied inputs only; no tax, investment or lending advice.",
"total_paid": 1200,
"total_interest": 0,
"monthly_payment": 100
}
}Tags
x402
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