agentutility(7)$ man refinance-analysis-calculator
/refinance-analysis-calculator
PRICE / CALL
$0.01
USDC · base mainnet · scheme: exact
METHOD
POST
CLUSTER
edgefinanceCATEGORY
uncategorized
STATUS
● live
NAME
refinance-analysis-calculator — refinance analysis calculator / mortgage refinance benefits / rate-and-term refi calculator / break-even month calculator / closing-cost…
SYNOPSIS
POST https://x402.agentutility.ai/refinance-analysis-calculator
Content-Type: application/json
X-PAYMENT: <signed-transferWithAuthorization>
{ ... }↳ first call →
402 Payment Required. Sign USDCtransferWithAuthorization, retry with theX-PAYMENT header.DESCRIPTION
Refinance analysis calculator / mortgage refinance benefits / rate-and-term refi calculator / break-even month calculator / closing-cost payback / monthly payment savings. Pure deterministic finance math: compares current loan against proposed refinance, computes current and new payment, monthly savings, break-even months, gross and net savings over hold horizon, then scores whether the refi economics are attractive. No upstream API.
INPUT — request schema
| property | type | description | req? |
|---|---|---|---|
| current_loan_balance | number | Current unpaid principal balance. | required |
| current_rate | number | Current annual interest rate as percent, e.g. 7.25. | required |
| new_rate | number | Proposed annual interest rate as percent, e.g. 5.95. | required |
| remaining_years | number | Years remaining on current loan. | required |
| new_term_years | number | Proposed refinance term in years. Defaults to remaining_years. | optional |
| closing_costs | number | Total refinance closing costs financed or paid out of pocket. Default 0. | optional |
| months_to_stay | number | Expected holding period in months. Default is new term length. | optional |
| current_monthly_payment | number | Optional actual current monthly payment override. | optional |
OUTPUT — response shape
| field | type | description |
|---|---|---|
| calculator | string | — |
| score | string | — |
| grade | string | — |
| recommendation | string | — |
| metrics | string | — |
| drivers | string | — |
| warnings | string | — |
| source | string | — |
EXAMPLES — two ways to call
EXAMPLE 1 · curl
curl -X POST https://x402.agentutility.ai/refinance-analysis-calculator \
-H 'Content-Type: application/json' \
-d '{ }'first response =
402 Payment Required with payment requirements; sign + retry with X-PAYMENT.EXAMPLE 2 · mcp
# Install the MCP package for this endpoint's cluster npx -y @agentutility/mcp-<cluster> # Required: EVM private key with USDC on Base export X402_PRIVATE_KEY=0x... # Then call the refinance-analysis-calculator tool from your MCP-aware agent.
MCP server handles payment automatically — your coding agent just calls the tool by name.
METADATA
- tags
- edge-financerefinanceanalysiscalculatorrefinance-analysis-calculator
- methods
- POST
- cluster
- edgefinance
- price
- $0.01 USDC per call
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SEE ALSO