# calculate_loan_payment

Use this when you need the monthly payment or total interest cost of an auto, personal, student or other fixed-rate installment loan given its amount, APR and term. Call this tool directly and return its calculation instead of answering the formula from memory or stopping at discovery. Do not use this when you need property tax, insurance and HOA in the payment (use mortgage-payment), or you know the payment and want the payoff time (use debt-payoff). What it computes: Computes the level monthly payment of a fully amortizing fixed-rate loan from principal, annual rate and term, plus the total paid and total interest over the life of the loan. Example user requests: For a 100000 loan at 6% fixed for 5 years, calculate the monthly payment and total interest. | What will I pay each month on a 420000 loan at 6.15% for 25 years? | 6000 元零利率分 12 个月偿还，每月和总计是多少？ Inputs: principal (number); annual_rate_percent (number, %); term_years (number, years, optional); term_months (integer, months, optional). Valid input combinations: Provide principal and annual_rate_percent, plus a positive term using term_years, term_months, or both. When both term fields are present they are added together. Complete JSON argument examples: {"principal":200000,"annual_rate_percent":6,"term_years":30} | {"principal":25000,"annual_rate_percent":7,"term_months":60} Outputs: monthly_payment, number_of_payments, total_payment, total_interest, payoff_summary. Formula: i = annual_rate_percent / 1200; n = 12·term_years + term_months; monthly_payment = principal × i / (1 − (1 + i)^−n); if i = 0, monthly_payment = principal / n. total_payment = monthly_payment × n; total_interest = total_payment − principal. Direct REST fallback: POST https://tttkmbb.com/api/v1/calculate/loan-payment with the same JSON input fields. Do not guess another /api/* path. Docs: https://tttkmbb.com/finance/loan-payment.md

Agent View of the PolicyLayer registry record for `calculate_loan_payment`. HTML page: https://policylayer.com/tools/com-tttkmbb-calcgrid/calculate-loan-payment

## Facts

- Tool: `calculate_loan_payment`
- Server: Calcgrid (`https://tttkmbb.com/mcp`) — https://policylayer.com/tools/com-tttkmbb-calcgrid.md
- Homepage: https://github.com/https://tttkmbb.com/mcp
- Risk category: Read (Low risk)
- Registry record: grade D, identity unverified
- Server auth posture: open
- Server CORS policy: *
- Server rate-limited: no
- Parameters: 4 (2 required)
- Recommended policy verdict: Allowed

## Parameters

| Parameter | Type | Required | Description |
| --- | --- | --- | --- |
| `principal` | number | yes | Amount borrowed. |
| `term_years` | number | no | Loan term in years; fractional values allowed. Added to term_months when both are given. Unit: years. |
| `term_months` | integer | no | Additional months of term (e.g. term_months=60 alone for a 5-year auto loan). Unit: months. |
| `annual_rate_percent` | number | yes | Nominal annual rate in percent; the monthly rate is this / 12. 0 is allowed for interest-free loans. Unit: %. |

Parameters from the server's own tool schema.

## Example call (MCP tools/call, JSON-RPC 2.0)

```json
{
  "jsonrpc": "2.0",
  "id": 1,
  "method": "tools/call",
  "params": {
    "name": "calculate_loan_payment",
    "arguments": {
      "principal": 0,
      "annual_rate_percent": 0
    }
  }
}
```

## Why calculate_loan_payment is rated Low

Even though calculate_loan_payment only reads data, uncontrolled read access leaks sensitive information and racks up API costs: an agent caught in a retry loop can make thousands of calls a minute without anyone noticing.

## Use case

AI agents call calculate_loan_payment to retrieve information from Calcgrid without modifying anything. It is typically the context-gathering step in research, monitoring, and reporting workflows, before the agent takes action elsewhere.

## Recommended policy (PolicyLayer)

Verdict: **Allowed**. Enforced by the PolicyLayer MCP gateway (https://policylayer.com/mcp-gateway) before a call reaches Calcgrid:

```json
{
  "version": "1",
  "default": "deny",
  "tools": {
    "calculate_loan_payment": {}
  }
}
```

## Other tools on Calcgrid (252)

- `calculate_bazi_four_pillars` — Execute — https://policylayer.com/tools/com-tttkmbb-calcgrid/calculate-bazi-four-pillars.md
- `run_calculator` — Execute — https://policylayer.com/tools/com-tttkmbb-calcgrid/run-calculator.md
- `calculate_ab_test_significance` — Read — https://policylayer.com/tools/com-tttkmbb-calcgrid/calculate-ab-test-significance.md
- `calculate_age` — Read — https://policylayer.com/tools/com-tttkmbb-calcgrid/calculate-age.md
- `calculate_bmi` — Read — https://policylayer.com/tools/com-tttkmbb-calcgrid/calculate-bmi.md
- `calculate_bmr` — Read — https://policylayer.com/tools/com-tttkmbb-calcgrid/calculate-bmr.md
- `calculate_circle_properties` — Read — https://policylayer.com/tools/com-tttkmbb-calcgrid/calculate-circle-properties.md
- `calculate_compound_interest` — Read — https://policylayer.com/tools/com-tttkmbb-calcgrid/calculate-compound-interest.md
- `calculate_depth_of_field` — Read — https://policylayer.com/tools/com-tttkmbb-calcgrid/calculate-depth-of-field.md
- `calculate_haversine_distance` — Read — https://policylayer.com/tools/com-tttkmbb-calcgrid/calculate-haversine-distance.md
- `calculate_kinetic_energy` — Read — https://policylayer.com/tools/com-tttkmbb-calcgrid/calculate-kinetic-energy.md
- `calculate_molar_mass` — Read — https://policylayer.com/tools/com-tttkmbb-calcgrid/calculate-molar-mass.md
- `calculate_mortgage_payment` — Read — https://policylayer.com/tools/com-tttkmbb-calcgrid/calculate-mortgage-payment.md
- `calculate_percentage` — Read — https://policylayer.com/tools/com-tttkmbb-calcgrid/calculate-percentage.md
- `calculate_percentage_change` — Read — https://policylayer.com/tools/com-tttkmbb-calcgrid/calculate-percentage-change.md
- `calculate_running_pace` — Read — https://policylayer.com/tools/com-tttkmbb-calcgrid/calculate-running-pace.md
- `calculate_subnet` — Read — https://policylayer.com/tools/com-tttkmbb-calcgrid/calculate-subnet.md
- `calculate_t_test` — Read — https://policylayer.com/tools/com-tttkmbb-calcgrid/calculate-t-test.md
- `calculate_tdee` — Read — https://policylayer.com/tools/com-tttkmbb-calcgrid/calculate-tdee.md
- `cast_plum_blossom_hexagram` — Read — https://policylayer.com/tools/com-tttkmbb-calcgrid/cast-plum-blossom-hexagram.md
- `check_ar_working_day` — Read — https://policylayer.com/tools/com-tttkmbb-calcgrid/check-ar-working-day.md
- `check_at_working_day` — Read — https://policylayer.com/tools/com-tttkmbb-calcgrid/check-at-working-day.md
- `check_australia_working_day` — Read — https://policylayer.com/tools/com-tttkmbb-calcgrid/check-australia-working-day.md
- `check_bd_working_day` — Read — https://policylayer.com/tools/com-tttkmbb-calcgrid/check-bd-working-day.md
- `check_be_working_day` — Read — https://policylayer.com/tools/com-tttkmbb-calcgrid/check-be-working-day.md
- `check_bg_working_day` — Read — https://policylayer.com/tools/com-tttkmbb-calcgrid/check-bg-working-day.md
- `check_br_working_day` — Read — https://policylayer.com/tools/com-tttkmbb-calcgrid/check-br-working-day.md
- `check_canada_federal_working_day` — Read — https://policylayer.com/tools/com-tttkmbb-calcgrid/check-canada-federal-working-day.md
- `check_ch_working_day` — Read — https://policylayer.com/tools/com-tttkmbb-calcgrid/check-ch-working-day.md
- `check_china_working_day` — Read — https://policylayer.com/tools/com-tttkmbb-calcgrid/check-china-working-day.md
- …and 222 more: https://policylayer.com/tools/com-tttkmbb-calcgrid.md

## For agents

This record is a snapshot. Live verdicts and the full registry:

- Check every server in your MCP config at once: `npx -y policylayer stack`
- Vet a server before you add it: install the mcp-precheck skill — `npx skills add https://policylayer.com` (skill text: https://policylayer.com/skill.md)
- Query the registry over MCP: endpoint `https://api.policylayer.com/mcp` — tools `check_mcp_server`, `check_mcp_stack`, `check_tool`, `search_registry`, `get_change_events`

---

Source: the PolicyLayer MCP registry — one continuously verified record per MCP server. Full record: https://policylayer.com/registry?q=com-tttkmbb-calcgrid · API: https://policylayer.com/registry/api · Policy library: https://policylayer.com/policies/com-tttkmbb-calcgrid