What does the calculation return?

The monthly payment, total cost of the loan, total interest paid, and optionally the complete amortisation schedule with principal, interest and remaining balance for every month.

Which inputs are supported?

Loan amount or price with an optional down payment, annual interest rate, and the term in years or months. Fixed-rate loans only.

Does it handle taxes, insurance or PMI?

No. It computes the principal-and-interest payment. Escrow items vary by lender and location and are left for your application to add.

Are adjustable-rate mortgages supported?

No. The formula is for fixed rates. For current reference rates by country, see the Interest Rates API.

What does a call cost?

1 token, including when the full schedule is requested.

FinanceMAINTAINED1 token / call

Mortgage & Loan Calculator API

Monthly payment, total interest and a full amortisation schedule for any fixed-rate loan or mortgage

Calculate fixed-rate loan and mortgage payments: monthly payment, total cost, and total interest — with an optional full month-by-month amortization schedule. Supports down payments and any term in years or months.

Every call needs an X-Api-Key header. A free key includes 500 tokens a month, no card required. 1 token per call, so the free plan covers about 500 calls a month.

Start free — 500 tokens / mo →See all plans

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response.json

{
  "amount": 300000,
  "down_payment": 60000,
  "loan_amount": 240000,
  "annual_rate": 6.5,
  "term_months": 360,
  "number_of_payments": 360,
  "monthly_payment": 1516.96,
  "total_payment": 546106.77,
  "total_interest": 306106.77
}

Production Ready: Battle-tested infrastructure with a 99.9% uptime SLA. Rate limits are generous, responses are consistent.
Simple Integration: Standard REST + JSON. Works with any HTTP client. Copy-ready code snippets in 4 languages.
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Use cases for Mortgage & Loan Calculator API

Add a mortgage calculator to a real-estate listing or lender page without writing the math.
Show the month-by-month amortisation schedule so buyers see how principal and interest shift over time.
Quote car, personal or equipment loans with any term in months or years and an optional down payment.
Compare scenarios side by side by calling the endpoint with different rates and terms.

Mortgage & Loan Calculator API endpoints

Every endpoint with its parameters and a real example response.

GETMortgage Calculator

GETMortgage Calculator

https://api-mortgage-calculator.dataandapis.com/v1/mortgage

Query parameters

Parameter	Example
amount	300000	Required
down_payment	60000	Optional
rate	6.5	Required
schedule	false	Optional
years	30	Required

Example request

curl "https://api-mortgage-calculator.dataandapis.com/v1/mortgage?amount=300000&down_payment=60000&rate=6.5&schedule=false&years=30" \
  -H "X-Api-Key: YOUR_API_KEY"

Example response

{
  "amount": 300000,
  "down_payment": 60000,
  "loan_amount": 240000,
  "annual_rate": 6.5,
  "term_months": 360,
  "number_of_payments": 360,
  "monthly_payment": 1516.96,
  "total_payment": 546106.77,
  "total_interest": 306106.77
}

Where the data comes from

Source: Standard fixed-rate amortisation formula. Pure computation, no external data.
Freshness: Computed on every call.

One install. Every endpoint.

No proprietary SDKs needed. Any HTTP client works. Pick your language and paste.

3languages

1endpoints

RESTarchitecture

1key for all APIs

Fully typed responses — auto-completion in your IDE
Tracks the API in lockstep — new endpoints land same day
One key works across 125+ APIs on the platform

import axios from 'axios';

const { data } = await axios.get(
  'https://api-mortgage-calculator.dataandapis.com/v1/mortgage',
  { headers: { 'X-Api-Key': process.env.API_KEY } }
);

Mortgage & Loan Calculator API · X-Api-Key

Explore the endpoints

Browse request parameters and inspect live example responses.

Available Endpoints

Request Parameters

API URL

Headers

X-Api-Key

Query Parameters

amount(Required)

down_payment(Optional)

rate(Required)

schedule(Optional)

years(Required)

Target:

Client:

import axios from 'axios';

const url = 'https://api-mortgage-calculator.dataandapis.com/v1/mortgage';
const { data } = await axios.get(url, {
  headers: { 'X-Api-Key': 'YOUR_API_KEY' }
});