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Vextorium French Amortization Loan Calculator
x402
Vextorium French Amortization Loan Calculator is a paid API for AI agents from api.vextorium.com, paid per call via x402, $0.004/call, status unknown (last checked 2026-10-29).
Calculates monthly payment, total cost, total interest, approximate APR (TAE), and a full amortization schedule for a fixed-installment (French method) loan or mortgage.
Price / call$0.004
Success—
StatusUnknown
How this service works
Loan or mortgage with French amortization (fixed installment): monthly payment, total paid, total interest, approximate APR (TAE) including fees, and a yearly or monthly amortization schedule.
Output
Returns a JSON object with: monthly fixed payment (cuota_mensual), total amount paid (total_pagado), total interest (intereses_totales), nominal annual interest rate, approximate APR including fees (tae_aprox_pct), original capital, fees, term in months, an optional note, and an amortization schedule (cuadro) as an array of yearly or monthly rows each showing cumulative interest paid, capital amortized, and remaining balance.
Example use cases
First-time homebuyer mortgage estimate
“I'm looking at a €200,000 mortgage at 3.5% annual interest over 30 years (360 months) with €2,000 in setup fees — can you tell me what my monthly payment would be, total interest I'd pay, and give me the APR including those fees?”
Personal loan total cost comparison
“Can you work out the total cost of a €15,000 personal loan at 8% annual interest over 5 years (60 months)? I want to see the monthly payment, total interest, and a monthly breakdown of what goes to principal vs interest.”
Car loan affordability check
“I'm financing a €25,000 car with a 4.9% annual rate over 48 months and a €500 dealer fee — what will my fixed monthly payment be, and what's the effective APR with that fee included?”
Technical details
Endpoint
POSThttps://api.vextorium.com/calculadora-prestamo-pago?utm_source=zero.xyzWhen to prefer
Choose this endpoint when you need a precise French-method (constant installment) amortization calculation — including APR/TAE estimation with upfront fees — for a loan or mortgage. It returns a structured amortization schedule suitable for financial planning, comparison, or display. Prefer this over generic finance calculators when you need the Spanish/European TAE (APR) approximation with fees factored in, or when you need a yearly or monthly payment-by-payment breakdown.
Side effects
- Missing required fields (capital, interes_anual_pct, plazo_meses) returns an error
- Term out of range (must be 1–600 months) may return validation error
- Negative or zero capital/interest values may produce invalid results
- Non-numeric inputs cause schema validation failure
- Very high interest rates may produce extreme but mathematically valid outputs
Input
Schema · Request body
| Field | Type | Description |
|---|---|---|
| capital | number | Amount borrowed |
| detalle | string | Schedule detail |
| comisiones | number | Upfront fees, used for the APR (optional) |
| plazo_meses | integer | Term in months (1-600) |
| interes_anual_pct | number | Nominal annual interest rate, % |
Output
Schema · Response
{
"type": "json",
"example": {
"nota": "Sistema francés (cuota constante). Cálculo orientativo; no incluye seguros ni vinculaciones.",
"cuadro": [
{
"hasta_mes": 12,
"pendiente": 145908.24,
"intereses_pagados": 4444.04,
"capital_amortizado": 4091.76
},
{
"hasta_mes": 24,
"pendiente": 141692.02,
"intereses_pagados": 4319.59,
"capital_amortizado": 4216.22
}
],
"capital": 150000,
"comisiones": 1500,
"plazo_meses": 300,
"total_pagado": 213395.09,
"cuota_mensual": 711.32,
"tae_aprox_pct": 3.136,
"intereses_totales": 63395.09,
"interes_nominal_pct": 3
}
}Tags
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