# Sindri Mortgage Comparison Calculator (15-Year vs 30-Year)

> Sindri Mortgage Comparison Calculator (15-Year vs 30-Year) is a paid API for AI agents from x402.outpimp.com, paid per call via x402, $0.01/call, status unknown (last checked 2026-09-15).

Computes and compares monthly payments and total lifetime interest for 15-year and 30-year fixed mortgages on the same property, reporting the tradeoff between the two loan terms.

## Facts

- Endpoint: POST https://x402.outpimp.com/mortgageComparisonCalculator
- Price: $0.01/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-15
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/sindri-mortgage-comparison-calculator-15-year-vs-30-year-0a089bfb
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_fxvvMLX0rTUx8C7s8xXtw

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-mortgage-comparison-calculator-15-year-vs-30-year-0a089bfb -d '<json body>'
```

Example prompt: Can you compare the monthly payments and total interest for a 15-year mortgage at 6.2% versus a 30-year at 6.9% on a $450,000 home with 20% down?

## When to prefer this

Use this endpoint when you need a side-by-side numerical comparison of 15-year and 30-year mortgage terms on the same property — especially when you want both monthly payment and total lifetime interest figures simultaneously. It is purpose-built for this single comparison rather than being a general amortization engine, making it ideal for quick decisioning in home-buying or refinancing workflows. Prefer it over general-purpose financial calculators when the specific 15 vs 30-year tradeoff is the question at hand.

## Known failure modes

- Missing required fields (purchasePrice, interestRate15, or interestRate30) returns a validation error
- Interest rates provided as percentages (e.g. 6.5) instead of fractions (e.g. 0.065) may produce wildly incorrect results
- Negative or zero purchase price or interest rate yields nonsensical output
- downPaymentPercent outside 0–1 range may cause errors or incorrect loan principal calculation
- Payment failure or network timeout returns a 402 or connection error

## How this service works

15-year vs 30-year mortgage comparison calculator. Computes monthly payment and total interest for both loan terms on the same purchase price and down payment, and reports the payment and lifetime-interest tradeoff between them.

## Output

Returns computed monthly payment amounts and total interest paid over the full loan term for both the 15-year and 30-year scenarios, along with the difference in monthly payment and total lifetime interest savings when choosing the shorter term.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "properties": {
  "purchasePrice": {
   "type": "number",
   "description": "Home purchase price."
  },
  "interestRate15": {
   "type": "number",
   "description": "Annual interest rate for the 15-year loan, as a fraction."
  },
  "interestRate30": {
   "type": "number",
   "description": "Annual interest rate for the 30-year loan, as a fraction."
  },
  "downPaymentPercent": {
   "type": "number",
   "default": 0.2,
   "description": "Down payment as a fraction of purchase price (0-1). Default 0.2."
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/sindri-mortgage-comparison-calculator-15-year-vs-30-year-0a089bfb/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from x402.outpimp.com](https://www.zero.xyz/host/x402.outpimp.com/llms.txt)