Payments and amortization. Work out the exact monthly payment on a car loan, personal loan, student loan or mortgage, see how much interest you will pay in total, and download the full amortization schedule.
https://plugins-worker.demos.42a.ai/loan-calculator/mcpSettings → Security and login → Developer mode → chatgpt.com/plugins → + → paste the URL. After a tool change: Refresh, then a new chat.
| Prompt | Tool | Expected |
|---|---|---|
| Car loan: $35,000 at 6.9% for 60 months. What is my payment? | calculate_loan | Monthly payment $691.39, total interest $6,483.56, 60 payments, schedule downloads. |
| What is the monthly payment on a $400,000 mortgage at 6.5% for 30 years? | calculate_loan | Principal and interest $2,528.27 a month, 360 payments, $510,179.81 total interest. |
| Mortgage of $400,000 at 6.5% for 30 years, what if I pay $200 extra a month? | calculate_loan | Same $2,528.27 payment; 293 payments instead of 360 (5 years 7 months sooner), saving $111,892.52 of interest. |
| I'm buying a $32,000 car with $5,000 down, 7.5% APR for 72 months. Payment and total interest? | calculate_loan | Borrowing $27,000: $466.83 a month, $6,612.06 in total interest. |
| Compare 3 car loan offers on $28,000: credit union 5.9% for 60 months, dealer 6.4% for 72 months, bank 4.9% for 48 months with a $300 fee | compare_loans | Bank costs least overall ($3,190.53 in interest and fees) while the dealer has the lowest payment ($469.35). |
| I have three credit cards with different balances. Should I pay the highest interest first? | none | Paying down several existing debts is a debt payoff plan, not a single loan calculation. |
| If I save $500 a month at 7% for 20 years, how much will I have? | none | Savings growth is compound interest, not a loan. |
| What credit score do I need to get approved for a car loan? | none | An eligibility question with no calculation to run. |