Loan Calculator

MCP Client Setup

Add the Loan Calculator MCP server to your MCP client configuration:

{
  "mcpServers": {
    "loan-calculator": {
      "command": "curl",
      "args": [
        "-X", "POST",
        "https://apistack.online/api/mcp/finance/loan-calculator/sse",
        "-H", "Content-Type: application/json",
        "-H", "Authorization: Bearer YOUR_API_KEY",
        "--data-raw", "@-"
      ],
      "transport": "sse"
    }
  }
}

Replace YOUR_API_KEY with your APIStack API key from the Dashboard.

Usage Examples

Calculate Loan Payment

// Calculate monthly payment for a $20,000 personal loan
const payment = await mcpClient.callTool('calculate_loan_payment', {
  principal: 20000,
  annualRate: 7.5,
  termYears: 5,
  loanType: 'personal',
  includeBreakdown: true
});

Generate Amortization Schedule

// Get complete payment schedule with extra payments
const schedule = await mcpClient.callTool('generate_amortization_schedule', {
  principal: 25000,
  annualRate: 6.5,
  termYears: 4,
  loanType: 'auto',
  extraPayment: 100, // $100 extra per month
  includeAmortization: false // First 12 months only
});

Analyze Early Payoff

// Compare different extra payment scenarios
const payoffAnalysis = await mcpClient.callTool('analyze_early_payoff', {
  principal: 30000,
  annualRate: 8.0,
  termYears: 5,
  loanType: 'personal',
  extraPayments: [50, 100, 200, 500] // Compare these extra monthly amounts
});

Compare Loan Scenarios

// Compare 3-year vs 5-year loan terms
const comparison = await mcpClient.callTool('compare_loan_scenarios', {
  principal: 15000,
  loanType: 'auto',
  scenarios: [
    {
      name: '3-year Standard',
      annualRate: 6.5,
      termYears: 3
    },
    {
      name: '5-year Low Rate',
      annualRate: 5.9,
      termYears: 5
    },
    {
      name: '4-year Mid Rate',
      annualRate: 6.2,
      termYears: 4
    }
  ]
});

Supported Loan Types

• Personal Loans: Unsecured personal loans, debt consolidation
• Auto Loans: New and used vehicle financing
• Mortgages: Home purchase loans (use Mortgage Calculator for full features)
• Business Loans: Small business financing
• Student Loans: Education financing

Features

• Flexible Terms: 3 months to 50 years
• Interest Rates: 0.01% to 50% annual
• Extra Payments: Analyze impact of additional monthly payments
• Full Amortization: Complete payment-by-payment breakdown
• Interest Savings: Calculate savings from early payoff
• Scenario Comparison: Compare multiple loan options side-by-side