# Sindri Loan Payment Calculator

> Sindri Loan Payment Calculator is a paid API for AI agents from ppu43fkyhimq5fiqpmo42eh5ri0yypid.lambda-url.us-east-1.on.aws, paid per call via x402, $0.01/call, status unknown (last checked 2026-10-02).

Computes the fixed monthly payment and full amortization schedule (principal, interest, balance per month) for a standard amortizing loan given principal, annual rate, and term.

## Facts

- Endpoint: POST https://ppu43fkyhimq5fiqpmo42eh5ri0yypid.lambda-url.us-east-1.on.aws/loanPaymentCalculator?utm_source=zero.xyz
- Price: $0.01/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-02
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/sindri-loan-payment-calculator-83290cb4
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_aCrFm0CwbYULGTVDQoXzx

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 sindri-loan-payment-calculator-83290cb4 -d '<json body>'
```

Example prompt: Can you calculate my monthly payment and give me the full month-by-month amortization schedule for a $350,000 mortgage at 6.5% annual interest over 30 years?

## When to prefer this

Choose this endpoint when you need mathematically precise amortization calculations for a standard fixed-rate loan, especially when generating a full period-by-period schedule that an LLM cannot reliably compute by hand for tens or hundreds of months. Prefer this over manual calculation or LLM estimation whenever accuracy for financial planning is required.

## Known failure modes

- Missing required fields (principal or annualRate) returns a validation error
- annualRate provided as percentage integer (e.g. 6) instead of fraction (0.06) causes incorrect results
- termYears outside 1-50 range may return an error or unexpected behavior
- Principal of 0 or negative values may cause computation errors
- Network timeout on the Lambda URL returns no schedule

## How this service works

Loan payment calculator. Computes the fixed monthly payment for a standard amortizing loan and returns the full month-by-month principal/interest/balance schedule — exact amortization math an LLM cannot reliably compute by hand for hundreds of periods.

## Output

Returns the fixed monthly payment amount and a complete month-by-month amortization schedule for every period of the loan, with each row showing the payment number, principal paid, interest paid, and remaining loan balance.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "properties": {
  "principal": {
   "type": "number",
   "description": "Loan principal amount."
  },
  "termYears": {
   "type": "number",
   "default": 20,
   "description": "Loan term in years (1-50). Default 20."
  },
  "annualRate": {
   "type": "number",
   "description": "Annual interest rate, as a fraction (e.g. 0.06 for 6%)."
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/sindri-loan-payment-calculator-83290cb4/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from ppu43fkyhimq5fiqpmo42eh5ri0yypid.lambda-url.us-east-1.on.aws](https://www.zero.xyz/host/ppu43fkyhimq5fiqpmo42eh5ri0yypid.lambda-url.us-east-1.on.aws/llms.txt)