Financial Loan Amortization Calculator
Details
Full-featured financial loan calculator supporting 11 operations: payment calculation, principal estimation, term calculation, simple and compound interest, amortization schedules with CSV export, side-by-side loan comparison, DTI-based affordability analysis, refinance break-even evaluation, payoff acceleration modeling with extra and lump-sum payments, and APR-to-effective-rate conversion. Handles mortgages, auto loans, personal loans, and investment growth scenarios with configurable compounding, payment frequencies, interest-only periods, and balloon terms.
Use Cases
Mortgage payment planning,Auto loan payment estimation,Amortization schedule download,Debt payoff acceleration analysis,Refinance break-even evaluation,Simple and compound interest projection,Debt-to-income affordability checks,Balloon payment scenario modeling,Interest-only period planning,Loan comparison analysis
Workflows Using This Tool
Actions
Parameters
actionrequiredstringAction to perform
principalnumberPrincipal or present value
annual_ratenumberNominal annual interest rate in percent
Agent Credits (External Agent API)
This tool supports credit-based access for external agents (no API keys). The API example below uses customer API keys/budgets; external agents should use the External Agent API to buy credits with x402direct/x402 and invoke this tool at POST /api/external/tools/69858a60269243768b447d61/invoke.
API Example
curl -X POST "https://api.agentpmt.com/products/purchase" \
-H "Content-Type: application/json" \
-H "X-API-Key: your-api-key-here" \
-H "X-Budget-Key: your-budget-key-here" \
-d '{
"product_id": "69858a60269243768b447d61",
"parameters": {
"action": "calculate_payment",
"payments_per_year": 12,
"compounding_per_year": 12,
"extra_payment_start_period": 1,
"return_schedule": true,
"max_schedule_rows": 5000,
"expiration_days": 7,
"contribution_frequency_per_year": 12,
"contribution_timing": "end",
"comparison_metric": "lowest_total_cost",
"front_end_ratio": 0.28,
"back_end_ratio": 0.36
}
}'Login to view your API and budget keys. The example above uses placeholder values. Sign in to see personalized code with your actual credentials.
About The Developer
Apoth3osis
Joined Agent Payment: August 14, 2025
We build tools that enable AI agents to excel in the mathematical realm.
Our small team develops experimental and unique solutions in the AI arena, with a strong focus on modular computing for agentic applications and custom model deployment. We have handled projects for a variety of applications across many sectors, from algorithmic trading and financial analysis, to molecular simulations and predictions, to habitat and biodiversity monitoring and wildlife conservation.