For the complete documentation index, see llms.txt.

Personal Loan Calculator API

finance 2 credits / call v2026-04-22

Calculate personal loan payment, payoff time, interest, and extra-payment savings.

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

prefer a UI? Open the Personal Loan Calculator on miniwebtool.com →

Start Starter → Requires Starter+ · $29/mo
Starts on Starter
Free keys can view docs and examples, but calls to this endpoint require Starter or higher.
Start Starter →

Endpoint

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

Request body

Field Type Req.
loan_amount float
interest_rate_percent float
loan_term_months
6 | 12 | 18 | 24 | 30 | 36 | 48 | 60 | 72 | 84
str
extra_payment float
loan_purpose
general | debt_consolidation | home_improvement | medical | auto | education | wedding | vacation | moving | other
str
precision int

Cost & access

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

Response envelope

{
  "request_id": "01K...",
  "tool": "personal-loan-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 →
6 | 12 | 18 | 24 | 30 | 36 | 48 | 60 | 72 | 84
general | debt_consolidation | home_improvement | medical | auto | education | wedding | vacation | moving | other

Code examples

curl -X POST https://api.miniwebtool.com/v1/tools/personal-loan-calculator/run \
  -H 'Authorization: Bearer mwt_live_YOUR_KEY' \
  -H 'Content-Type: application/json' \
  -d '{"loan_amount":15000,"interest_rate_percent":8.5,"loan_term_months":"36","extra_payment":50,"loan_purpose":"debt_consolidation"}'
import requests

resp = requests.post(
    'https://api.miniwebtool.com/v1/tools/personal-loan-calculator/run',
    headers={'Authorization': 'Bearer mwt_live_YOUR_KEY'},
    json={'loan_amount': 15000, 'interest_rate_percent': 8.5, 'loan_term_months': '36', 'extra_payment': 50, 'loan_purpose': 'debt_consolidation'},
)
resp.raise_for_status()
print(resp.json())
const resp = await fetch(
  'https://api.miniwebtool.com/v1/tools/personal-loan-calculator/run',
  {
    method: 'POST',
    headers: {
      'Authorization': 'Bearer mwt_live_YOUR_KEY',
      'Content-Type': 'application/json',
    },
    body: JSON.stringify({"loan_amount":15000,"interest_rate_percent":8.5,"loan_term_months":"36","extra_payment":50,"loan_purpose":"debt_consolidation"}),
  }
);
const data = await resp.json();
console.log(data);
<?php
$ch = curl_init('https://api.miniwebtool.com/v1/tools/personal-loan-calculator/run');
curl_setopt_array($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' => 15000,
    'interest_rate_percent' => 8.5,
    'loan_term_months' => '36',
    'extra_payment' => 50,
    'loan_purpose' => 'debt_consolidation'
]),
]);
$resp = curl_exec($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/personal-loan-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' => 15000,
  'interest_rate_percent' => 8.5,
  'loan_term_months' => '36',
  'extra_payment' => 50,
  'loan_purpose' => 'debt_consolidation'
}.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": 15000,
    "interest_rate_percent": 8.5,
    "loan_term_months": "36",
    "extra_payment": 50,
    "loan_purpose": "debt_consolidation",
  })
  req, _ := http.NewRequest("POST", "https://api.miniwebtool.com/v1/tools/personal-loan-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/personal-loan-calculator/run"))
    .header("Authorization", "Bearer mwt_live_YOUR_KEY")
    .header("Content-Type", "application/json")
    .POST(HttpRequest.BodyPublishers.ofString("{\"loan_amount\":15000,\"interest_rate_percent\":8.5,\"loan_term_months\":\"36\",\"extra_payment\":50,\"loan_purpose\":\"debt_consolidation\"}"))
    .build();

var resp = client.send(req, HttpResponse.BodyHandlers.ofString());
System.out.println(resp.body());
how-to call personal-loan-calculator
  1. Get an API key
    Get an API key. Choose the Starter plan or higher to receive a bearer token with access to this endpoint.
  2. Assemble the JSON body
    Required fields: loan_amount, interest_rate_percent, . See the Request body table above for the full schema.
  3. POST to https://api.miniwebtool.com/v1/tools/personal-loan-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 Personal Loan Calculator API do?+

Calculate personal loan payment, payoff time, interest, and extra-payment savings. Use it to add this utility without rebuilding formulas, validation, examples, and documentation.

How much does one call to Personal Loan Calculator cost?+

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

What parameters does the Personal Loan Calculator API require?+

Required fields: loan_amount, interest_rate_percent. Full schema at /v1/openapi.json.

Is the Personal Loan 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 Personal Loan Calculator API?+

Yes. Connect to https://api.miniwebtool.com/v1/mcp over the Model Context Protocol. The agent discovers `personal-loan-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 (personal-loan-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=="personal-loan-calculator")'
see-also related finance tools