# SignalDesk AI Loan Payment Calculator

> 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

## Facts

- Endpoint: POST https://x402-agent.kariguetoazul.workers.dev/api/finance/loan-payment?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-payment-calculator-5c9921c8
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_tSGOTAZwjbZW4-1OsiviQ

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-payment-calculator-5c9921c8 -d '<json body>'
```

Example prompt: What would my monthly payment be on a $250,000 loan at 5.5% annual interest rate over 360 months?

## When to prefer this

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.

## Known failure modes

- 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)

## 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.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "properties": {
  "months": {
   "type": "integer",
   "maximum": 1200,
   "minimum": 1,
   "description": "Payments."
  },
  "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.",
  "total_paid": 1200,
  "total_interest": 0,
  "monthly_payment": 100
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/signaldesk-ai-loan-payment-calculator-5c9921c8/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)