---
title: "Personal Loan Calculator with APR & Amortization"
method: POST
path: "/api/v1/tools/personal-loan-calculator"
tags: ["loans"]
---

# Personal Loan Calculator with APR & Amortization

`POST /api/v1/tools/personal-loan-calculator`

## Request

- Base URL: `https://calcfleet.com`
- URL: `https://calcfleet.com/api/v1/tools/personal-loan-calculator`
- Auth: none declared

Calculate your personal loan monthly payment, total interest, and true effective APR including any origination fee. Full amortization schedule included.

## Request body

- object
  - `principal` number, required
  - `annualRatePct` number, required
  - `termMonths` integer, required
  - `originationFeePct` number, required

## Response `200`

Successful calculation result.

- object
  - `result` object, required: Structured calculation output (fields vary per calculator).

## Other responses

- `400`: Invalid input — the issues array contains Zod validation errors.
- `403`: Forbidden — an Authorization: Bearer cf_… key was supplied but is invalid.
- `404`: Unknown tool slug.

---

[API](https://skmtc.dev/calcfleet/apis/calcfleet-financial-calculators-api.md) · [All operations](https://skmtc.dev/calcfleet/apis/calcfleet-financial-calculators-api/llms.txt) · [OpenAPI document](https://skmtc.dev/calcfleet/apis/calcfleet-financial-calculators-api/revisions/cd9abd595bbe?raw)