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smarter-loan.com

smarter-loan.com

live Unverified (seed import) Finance & Crypto 3 tools imperative implementation
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Calculate your mortgage payments and view your amortization schedule

First seen 2026-09-21 · Last seen 2026-09-28 · Source: webmcp.com

Answer 1 · Act 2 · Transact 0 · Score: Not yet scored

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calculateMortgage

act imperative

Calculate a mortgage scenario. Returns a compact summary by default; request bounded yearly or monthly detail when needed.

Input schema

PropertyTypeRequiredDescription
principal number yes Loan amount
annualInterestRate number no Single annual percentage rate. Use interestRatePeriods for changing rates.
interestRatePeriods array no Rate changes, each with a zero-based startMonth and annual percentage interestRate.
loanTermYears number yes —
currency string no —
repaymentModel string no —
startDate string no Loan start date in ISO 8601 format.
fees object no Optional origination, insurance, and administration fees.
overpayments array no Optional scheduled overpayments.
detail string no Response detail level. Monthly requires scheduleStartMonth and scheduleEndMonth.
scheduleStartMonth number no —
scheduleEndMonth number no —
Raw JSON schema 
{
  "type": "object",
  "properties": {
    "principal": {
      "type": "number",
      "description": "Loan amount",
      "minimum": 0.01
    },
    "annualInterestRate": {
      "type": "number",
      "description": "Single annual percentage rate. Use interestRatePeriods for changing rates.",
      "minimum": 0,
      "maximum": 100
    },
    "interestRatePeriods": {
      "type": "array",
      "description": "Rate changes, each with a zero-based startMonth and annual percentage interestRate.",
      "items": {
        "type": "object",
        "properties": {
          "startMonth": {
            "type": "number",
            "minimum": 0
          },
          "interestRate": {
            "type": "number",
            "minimum": 0,
            "maximum": 100
          }
        },
        "required": [
          "startMonth",
          "interestRate"
        ]
      }
    },
    "loanTermYears": {
      "type": "number",
      "minimum": 1,
      "maximum": 50
    },
    "currency": {
      "type": "string",
      "enum": [
        "USD",
        "EUR",
        "GBP",
        "JPY",
        "CAD",
        "AUD",
        "CHF",
        "PLN"
      ]
    },
    "repaymentModel": {
      "type": "string",
      "enum": [
        "equalInstallments",
        "decreasingInstallments",
        "custom"
      ]
    },
    "startDate": {
      "type": "string",
      "description": "Loan start date in ISO 8601 format."
    },
    "fees": {
      "type": "object",
      "description": "Optional origination, insurance, and administration fees."
    },
    "overpayments": {
      "type": "array",
      "description": "Optional scheduled overpayments."
    },
    "detail": {
      "type": "string",
      "description": "Response detail level. Monthly requires scheduleStartMonth and scheduleEndMonth.",
      "enum": [
        "summary",
        "yearly",
        "monthly"
      ]
    },
    "scheduleStartMonth": {
      "type": "number",
      "minimum": 1
    },
    "scheduleEndMonth": {
      "type": "number",
      "minimum": 1
    }
  },
  "required": [
    "principal",
    "loanTermYears"
  ]
}

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