{
  "slug": "loan-calculator",
  "mcpServerUrl": "https://plugins-worker.demos.42a.ai/loan-calculator/mcp",
  "interface": {
    "displayName": "Handy Loan Calculator",
    "shortDescription": "Payments and amortization",
    "longDescription": "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.\n\nGive the amount (or the price and down payment), the APR and the term. The card shows the monthly payment rounded to the cent like a lender does, the total interest, the total paid and the payoff date, a chart of the balance over time and a year-by-year table, with every monthly payment in the full view. Add an extra monthly payment or one-time lump sums to see how many months and how much interest they save. Drag the APR slider, switch the term or change the extra payment and the card recalculates.\n\nComparing offers? Put 2 to 4 loans side by side, with fees, to see which costs least overall and which has the lowest payment. Download the schedule as an Excel workbook with live formulas or as CSV. Nothing is stored.",
    "category": "Finance",
    "defaultPrompt": [
      "Car loan: $35,000 at 6.9% for 60 months. What is my payment?",
      "Mortgage of $400,000 at 6.5% for 30 years, what if I pay $200 extra a month?",
      "Compare 3 car loan offers: 5.9% for 60 months, 6.4% for 72 months, 4.9% for 48 months on $28,000"
    ],
    "capabilities": [
      "Monthly payment rounded to the cent, with the final payment adjusted",
      "Total interest, total paid and payoff date",
      "Extra monthly and one-time payments: months and interest saved",
      "Balance chart and year-by-year amortization table",
      "Amortization schedule as Excel (live formulas) or CSV",
      "Side-by-side comparison of 2 to 4 loan offers"
    ],
    "logo": "https://plugins-worker.demos.42a.ai/loan-calculator/icon.svg",
    "websiteURL": "https://plugins-worker.demos.42a.ai/loan-calculator/",
    "supportURL": "https://plugins-worker.demos.42a.ai/support",
    "privacyPolicyURL": "https://plugins-worker.demos.42a.ai/privacy",
    "termsOfServiceURL": "https://plugins-worker.demos.42a.ai/terms",
    "developerName": "42a"
  },
  "keywords": [
    "loan calculator",
    "car loan calculator",
    "auto loan payment calculator",
    "mortgage payment calculator",
    "amortization schedule",
    "personal loan calculator",
    "student loan payoff calculator",
    "extra payment calculator",
    "compare loan offers"
  ],
  "tools": [
    {
      "name": "calculate_loan",
      "title": "Calculate loan payment",
      "annotations": {
        "readOnlyHint": true,
        "destructiveHint": false,
        "openWorldHint": false,
        "idempotentHint": true
      }
    },
    {
      "name": "compare_loans",
      "title": "Compare loan offers",
      "annotations": {
        "readOnlyHint": true,
        "destructiveHint": false,
        "openWorldHint": false,
        "idempotentHint": true
      }
    }
  ],
  "dataSources": [],
  "review": {
    "positiveTestCases": [
      {
        "description": "A 5-year car loan",
        "prompt": "Car loan: $35,000 at 6.9% for 60 months. What is my payment?",
        "tools_triggered": [
          "calculate_loan"
        ],
        "expected_behavior": "Monthly payment $691.39, total interest $6,483.56, 60 payments, schedule downloads."
      },
      {
        "description": "30-year mortgage",
        "prompt": "What is the monthly payment on a $400,000 mortgage at 6.5% for 30 years?",
        "tools_triggered": [
          "calculate_loan"
        ],
        "expected_behavior": "Principal and interest $2,528.27 a month, 360 payments, $510,179.81 total interest."
      },
      {
        "description": "Mortgage with $200 extra a month",
        "prompt": "Mortgage of $400,000 at 6.5% for 30 years, what if I pay $200 extra a month?",
        "tools_triggered": [
          "calculate_loan"
        ],
        "expected_behavior": "Same $2,528.27 payment; 293 payments instead of 360 (5 years 7 months sooner), saving $111,892.52 of interest."
      },
      {
        "description": "Price and down payment",
        "prompt": "I'm buying a $32,000 car with $5,000 down, 7.5% APR for 72 months. Payment and total interest?",
        "tools_triggered": [
          "calculate_loan"
        ],
        "expected_behavior": "Borrowing $27,000: $466.83 a month, $6,612.06 in total interest."
      },
      {
        "description": "Compare three offers",
        "prompt": "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",
        "tools_triggered": [
          "compare_loans"
        ],
        "expected_behavior": "Bank costs least overall ($3,190.53 in interest and fees) while the dealer has the lowest payment ($469.35)."
      }
    ],
    "negativeTestCases": [
      {
        "prompt": "I have three credit cards with different balances. Should I pay the highest interest first?",
        "expected_behavior": "Does not call Handy Loan Calculator: Paying down several existing debts is a debt payoff plan, not a single loan calculation."
      },
      {
        "prompt": "If I save $500 a month at 7% for 20 years, how much will I have?",
        "expected_behavior": "Does not call Handy Loan Calculator: Savings growth is compound interest, not a loan."
      },
      {
        "prompt": "What credit score do I need to get approved for a car loan?",
        "expected_behavior": "Does not call Handy Loan Calculator: An eligibility question with no calculation to run."
      }
    ]
  }
}