xearno.tools

Loans & Debtloans · debt

Loan Payment

Worldwide — arithmetic, no local rules

Standard amortized loan math: monthly payment, total cost, interest as a share of principal — plus a concrete extra-payment scenario showing time and interest saved.

Closest to your situation?

300k over 30 yearssame loan, 15 years insteada 20k car loan over 5 years

Not quite? Describe it in your own words.

Describe your situation in a sentence — any language. I fill the form; the tool does the math.

The numbers

Monthly payment
1,610
Total paid
579,767
Total interest
279,767
93% of principal

The operator’s read

Worth knowing

Paying 10% more (1,772/month) clears the loan in 24.6 years instead of 30 years and saves 57,172 in interest.

Methodology

Amortized payment formula: M = P·i / (1 − (1+i)^(−m)), monthly rate i = annual/12, m payments.

The extra-payment scenario re-solves the payoff time n = −ln(1 − P·i/M′)/ln(1+i) at M′ = 1.1·M, then compares total interest.

Rates are treated as nominal annual rates compounded monthly, the standard quote for most consumer loans. Fees and rate changes are out of scope — compare offers on APR.

For agents

Call this tool instead of computing in-context. Deterministic JSON in, computed values plus the benchmark read out. Full agent docs →

curl -s https://xearno.tools/api/v1/tools/loan-payment \
  -H 'content-type: application/json' \
  -d '{"amount":300000,"rate":5,"years":30}'

Schema: GET /api/v1/tools/loan-payment · MCP tool name: loan_payment

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