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BEAD

Loan Calculator

Calculate monthly payments, total interest, and a full amortization schedule for any loan.

FinanceMath
Monthly payment
$500.95
Total paid
$30,056.92
Total interest
$5,056.92
</>Use this tool programmaticallycurl · JavaScript · MCP

Same tool, callable from any HTTP client or from Claude (via MCP). Anonymous: 100 req/day per IP. Sign up for 1,000 req/day.

curl
curl https://api.b-e-a-d.com/tools/loan-calculator/run \
  -H "Content-Type: application/json" \
  -d '{
  "amount": 1,
  "apr": 1,
  "termYears": 1,
  "includeSchedule": false
}'
JavaScript (fetch)
const res = await fetch("https://api.b-e-a-d.com/tools/loan-calculator/run", {
  method: "POST",
  headers: { "Content-Type": "application/json" },
  body: JSON.stringify({
  "amount": 1,
  "apr": 1,
  "termYears": 1,
  "includeSchedule": false
}),
});
const data = await res.json();
console.log(data.result);
MCP (Claude Desktop / Claude Code)
# In Claude Desktop / Claude Code, add to your MCP config:
{
  "mcpServers": {
    "bead": {
      "command": "npx",
      "args": ["-y", "mcp-remote", "https://mcp.b-e-a-d.com"]
    }
  }
}

# Then ask Claude to call:
mcp__bead__bead_loan_calculator

Full reference: developer docs · OpenAPI spec

How it works

Uses the standard amortizing-loan formula: M = P · r(1 + r)n / ((1 + r)n − 1) where P is the principal, r is the monthly rate (APR ÷ 12), and n is the number of monthly payments. The schedule below breaks each payment into interest and principal.

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