For the complete documentation index, see llms.txt.

Mortgage Payoff Calculator API

finance 2 credits / call v2026-04-22

Early mortgage payoff simulation with extra monthly, yearly, and one-time payments; time and interest saved.

One POST adds Mortgage Payoff Calculator to your app, site, workflow, or agent — formula, validation, edge cases, and docs already handled.

prefer a UI? Open the Mortgage Payoff Calculator on miniwebtool.com →

Start free — get a key → 1,000 credits · no card · 30 seconds

Endpoint

POST · 2cr
POST https://api.miniwebtool.com/v1/tools/mortgage-payoff-calculator/run

Request body

Field Type Req.
loan_amount float
interest_rate_pct float
term_years float
extra_monthly float
extra_yearly float
extra_onetime float

Cost & access

  • 2 credits per successful call — failed calls refund.
  • Starts on: Free.
  • Max payload: 65536 bytes.
  • Privacy mode: hash_only
  • Available on: free, starter, pro, business, scale

Response envelope

{
  "request_id": "01K...",
  "tool": "mortgage-payoff-calculator",
  "tool_version": "2026-04-22",
  "credits_used": 2,
  "result": { ... }
}

Try it

Stored only in this browser tab. Playground test key is prefilled and only works on this page. Get a live key →

Get your own key

1,000 free calls/mo · no card · key arrives by email

One verification click, then your key + a ready-to-run request. No card, no spam.

Code examples

curl -X POST https://api.miniwebtool.com/v1/tools/mortgage-payoff-calculator/run \
  -H 'Authorization: Bearer mwt_live_YOUR_KEY' \
  -H 'Content-Type: application/json' \
  -d '{"loan_amount":300000,"interest_rate_pct":6.5,"term_years":30,"extra_monthly":200}'
import requests

resp = requests.post(
    'https://api.miniwebtool.com/v1/tools/mortgage-payoff-calculator/run',
    headers={'Authorization': 'Bearer mwt_live_YOUR_KEY'},
    json={'loan_amount': 300000, 'interest_rate_pct': 6.5, 'term_years': 30, 'extra_monthly': 200},
)
resp.raise_for_status()
data = resp.json()
print(data)
const resp = await fetch(
  'https://api.miniwebtool.com/v1/tools/mortgage-payoff-calculator/run',
  {
    method: 'POST',
    headers: {
      'Authorization': 'Bearer mwt_live_YOUR_KEY',
      'Content-Type': 'application/json',
    },
    body: JSON.stringify({"loan_amount":300000,"interest_rate_pct":6.5,"term_years":30,"extra_monthly":200}),
  }
);
const data = await resp.json();
console.log(data);
<?php
$ch = curl_init('https://api.miniwebtool.com/v1/tools/mortgage-payoff-calculator/run');
curl_setopt_array($ch, [
    CURLOPT_POST => true,
    CURLOPT_RETURNTRANSFER => true,
    CURLOPT_HTTPHEADER => [
        'Authorization: Bearer mwt_live_YOUR_KEY',
        'Content-Type: application/json',
    ],
    CURLOPT_POSTFIELDS => json_encode([
    'loan_amount' => 300000,
    'interest_rate_pct' => 6.5,
    'term_years' => 30,
    'extra_monthly' => 200
]),
]);
$resp = curl_exec($ch);
curl_close($ch);
print_r(json_decode($resp, true));
require 'net/http'
require 'json'
require 'uri'

uri = URI('https://api.miniwebtool.com/v1/tools/mortgage-payoff-calculator/run')
http = Net::HTTP.new(uri.host, uri.port)
http.use_ssl = (uri.scheme == 'https')

req = Net::HTTP::Post.new(uri)
req['Authorization'] = 'Bearer mwt_live_YOUR_KEY'
req['Content-Type'] = 'application/json'
req.body = {
  'loan_amount' => 300000,
  'interest_rate_pct' => 6.5,
  'term_years' => 30,
  'extra_monthly' => 200
}.to_json

resp = http.request(req)
puts JSON.parse(resp.body).inspect
package main

import (
  "bytes"
  "encoding/json"
  "fmt"
  "io"
  "net/http"
)

func main() {
  body, _ := json.Marshal(map[string]interface{}{
    "loan_amount": 300000,
    "interest_rate_pct": 6.5,
    "term_years": 30,
    "extra_monthly": 200,
  })
  req, _ := http.NewRequest("POST", "https://api.miniwebtool.com/v1/tools/mortgage-payoff-calculator/run", bytes.NewReader(body))
  req.Header.Set("Authorization", "Bearer mwt_live_YOUR_KEY")
  req.Header.Set("Content-Type", "application/json")

  resp, err := http.DefaultClient.Do(req)
  if err != nil { panic(err) }
  defer resp.Body.Close()
  out, _ := io.ReadAll(resp.Body)
  fmt.Println(string(out))
}
import java.net.URI;
import java.net.http.*;

var client = HttpClient.newHttpClient();
var req = HttpRequest.newBuilder()
    .uri(URI.create("https://api.miniwebtool.com/v1/tools/mortgage-payoff-calculator/run"))
    .header("Authorization", "Bearer mwt_live_YOUR_KEY")
    .header("Content-Type", "application/json")
    .POST(HttpRequest.BodyPublishers.ofString("{\"loan_amount\":300000,\"interest_rate_pct\":6.5,\"term_years\":30,\"extra_monthly\":200}"))
    .build();

var resp = client.send(req, HttpResponse.BodyHandlers.ofString());
System.out.println(resp.body());
how-to call mortgage-payoff-calculator
  1. Get an API key
    Get an API key. Sign up free for a bearer token. 1,000 credits/month, no card.
  2. Assemble the JSON body
    Required fields: . See the Request body table above for the full schema.
  3. POST to https://api.miniwebtool.com/v1/tools/mortgage-payoff-calculator/run
    Headers: Authorization: Bearer <key> and Content-Type: application/json. Copy-paste snippets in 7 languages are under Code examples.
  4. Parse the response
    Envelope: {request_id, tool, tool_version, credits_used, result}. The typed output lives in result.
faq frequently asked
What does the Mortgage Payoff Calculator API do?+

Early mortgage payoff simulation with extra monthly, yearly, and one-time payments; time and interest saved. Use it to add this utility without rebuilding formulas, validation, examples, and documentation.

How much does one call to Mortgage Payoff Calculator cost?+

2 credits per successful call. Failed calls (validation errors, 5xx) don't bill.

What parameters does the Mortgage Payoff Calculator API require?+

Required fields: (none). Full schema at /v1/openapi.json.

Is the Mortgage Payoff Calculator API deterministic?+

Yes — same input, same output, forever. Tool version 2026-04-22; output shape is stable within a major version.

Can an AI agent call the Mortgage Payoff Calculator API?+

Yes. Connect to https://api.miniwebtool.com/v1/mcp over the Model Context Protocol. The agent discovers `mortgage-payoff-calculator` with its JSON Schema automatically, so the model can plan while MiniWebtool handles the exact tool result.

What format does the API return?+

JSON with a stable envelope: `{request_id, tool, tool_version, credits_used, result}`. Errors are RFC 7807 `application/problem+json`.

mcp use from an AI agent

Every endpoint on this site is also exposed via the Model Context Protocol at https://api.miniwebtool.com/v1/mcp. Claude, Cursor, and any MCP-capable agent can discover this tool (mortgage-payoff-calculator) and its JSON Schema automatically — no client codegen.

# List tools the agent can call
curl -s https://api.miniwebtool.com/v1/mcp \
  -H 'Content-Type: application/json' \
  -d '{"jsonrpc":"2.0","id":1,"method":"tools/list"}' \
 | jq '.result.tools[] | select(.name=="mortgage-payoff-calculator")'
see-also related finance tools