Compute the monthly (or per-period) payment on a fully-amortizing loan
Compute the monthly (or per-period) payment on a fully-amortizing loan: mortgage, auto, student loan, business loan. Returns the periodic payment, total paid over the term, and total interest. Matches Excel's PMT(rate, nper, -principal). Use this when you just need the payment number, not the full per-period schedule (see amortization).
Answeringour last check, 2026-09-24
1 of 1checks answered this week
1553 msmedian answer time
$0.001listed price per call
$0.001price it asked us
Paid test badge: not yet. The checks above are free: we call the tool without paying and read the payment request it sends back. The Verified badge needs paid calls whose answers match the promised output, and nobody can buy a badge.
Endpoint
POST https://agent402.tools/api/loan-payment
| Category | Everything else |
|---|---|
| Provider host | agent402.tools |
| Networks | algorand:wGHE2Pwdvd7S12BL5FaOP20EGYesN73ktiC1qzkkit8=, eip155:10, eip155:1329, eip155:137, eip155:143, eip155:42161, eip155:42220, eip155:43114, eip155:4663, eip155:8453, solana:5eykt4UsFv8P8NJdTREpY1vzqKqZKvdp, stellar:pubnet |
| Payment schemes | exact, upto |
| Self-reported calls, 30 days | 5 from 1 payers (the provider's figure, not ours) |
Our checks, last 30 days
| Day | Result | HTTP | Asked | Time |
|---|---|---|---|---|
| 2026-09-24 | valid payment request | 402 | $0.001 | 1553 ms |
Example input (from the provider)
{
"body": {
"annualRate": 0.06,
"principal": 200000,
"termYears": 30
},
"bodyType": "json",
"method": "POST",
"type": "http"
}
Promised output schema (from the provider)
{
"$schema": "https://json-schema.org/draft/2020-12/schema",
"properties": {
"input": {
"additionalProperties": false,
"properties": {
"body": {
"properties": {
"annualRate": {
"description": "Annual interest rate as decimal (0.06 = 6%)",
"type": "number"
},
"paymentsPerYear": {
"description": "Payments per year (12 = monthly, 26 = bi-weekly, 52 = weekly). Default 12.",
"type": "number"
},
"principal": {
"description": "Loan principal (positive)",
"type": "number"
},
"termYears": {
"description": "Loan term in years",
"type": "number"
}
},
"required": [
"principal",
"annualRate",
"termYears"
]
},
"bodyType": {
"enum": [
"json",
"form-data",
"text"
],
"type": "string"
},
"method": {
"enum": [
"POST"
],
"type": "string"
},
"type": {
"const": "http",
"type": "string"
}
},
"required": [
"type",
"method",
"bodyType",
"body"
],
"type": "object"
},
"output": {
"properties": {
"example": {
"properties": {
"payment": {
"type": "number"
},
"periodicRate": {
"type": "number"
},
"periods": {
"type": "integer"
},
"totalInterest": {
"type": "number"
},
"totalPaid": {
"type": "number"
}
},
"required": [
"payment",
"totalPaid",
"totalInterest",
"periods",
"periodicRate"
],
"type": "object"
},
"type": {
"type": "string"
}
},
"required": [
"type"
],
"type": "object"
}
},
"required": [
"input"
],
"type": "object"
}