{"openapi":"3.1.0","info":{"title":"Loancompare API","version":"0.1.0","description":"A fully local loan cost-comparison toolkit: computes true APR (accounting for upfront fees via numeric root-finding), monthly payment, total interest, and total cost for multiple loan offers and ranks them, plus a standalone amortization-schedule generator for one loan — zero upstream calls, computed from the numbers you provide.\n\nEvery operation is read-only or compute-only. The same tools are available over MCP (streamable HTTP) at https://loancompare.connectorbay.com/mcp.","contact":{"name":"Unify Dynamics LLC","email":"hr@unifydynamics.com","url":"https://connectorbay.com/loancompare/docs"},"termsOfService":"https://connectorbay.com/loancompare/terms"},"servers":[{"url":"https://loancompare.connectorbay.com"}],"externalDocs":{"url":"https://connectorbay.com/loancompare/docs"},"security":[{},{"bearer":[]}],"components":{"securitySchemes":{"bearer":{"type":"http","scheme":"bearer","description":"Optional. A Pro API key raises rate limits; no credentials are required."}},"schemas":{"Error":{"type":"object","properties":{"ok":{"const":false},"error":{"type":"object"}}}}},"paths":{"/v1/tools/compare_loan_offers":{"post":{"operationId":"compare_loan_offers","summary":"Computes monthly payment, total interest, total cost, and true APR (accounting for upfront fees via","description":"Computes monthly payment, total interest, total cost, and true APR (accounting for upfront fees via\n    numeric root-finding) for each of several loan offers, and ranks them by both total cost and APR. Use for\n    \"compare a $20,000 loan at 6% with a $200 fee against 7% with no fee, both 60 months, which is actually\n    cheaper\", \"what's the true APR on a $10,000 loan at 8% with a $300 origination fee over 3 years\".","tags":["tools"],"requestBody":{"required":true,"content":{"application/json":{"schema":{"properties":{"offers":{"description":"Each item: {name?: str, principal: number, annual_rate_pct: number, term_months: int, fees?: number}.","items":{"additionalProperties":true,"type":"object"},"title":"Offers","type":"array"}},"required":["offers"],"title":"compare_loan_offersArguments","type":"object"}}}},"responses":{"200":{"description":"Tool result. `ok: true` on success; `ok: false` with a structured `error` (provider_unavailable, upstream_error, bad_input) when the tool could not answer.","content":{"application/json":{"schema":{"type":"object","additionalProperties":true}}}},"422":{"description":"Arguments failed validation","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}},"429":{"description":"Rate limit exceeded (see Retry-After)","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}}},"x-read-only":true}},"/v1/tools/amortization_schedule":{"post":{"operationId":"amortization_schedule","summary":"Full month-by-month amortization schedule for a single loan — interest, principal, and remaining balance","description":"Full month-by-month amortization schedule for a single loan — interest, principal, and remaining balance\n    each month — with an optional extra monthly payment applied straight to principal. Use for \"amortization\n    schedule for a $300,000 mortgage at 6.5% over 30 years\", \"how much sooner do I pay off a loan adding $100\n    extra a month\".","tags":["tools"],"requestBody":{"required":true,"content":{"application/json":{"schema":{"properties":{"principal":{"description":"Loan amount.","exclusiveMinimum":0,"title":"Principal","type":"number"},"annual_rate_pct":{"description":"Nominal annual interest rate, %.","minimum":0,"title":"Annual Rate Pct","type":"number"},"term_months":{"description":"Loan term in months.","exclusiveMinimum":0,"title":"Term Months","type":"integer"},"extra_monthly_payment":{"default":0.0,"description":"Extra amount applied to principal each month, on top of the required payment.","minimum":0,"title":"Extra Monthly Payment","type":"number"}},"required":["principal","annual_rate_pct","term_months"],"title":"amortization_scheduleArguments","type":"object"}}}},"responses":{"200":{"description":"Tool result. `ok: true` on success; `ok: false` with a structured `error` (provider_unavailable, upstream_error, bad_input) when the tool could not answer.","content":{"application/json":{"schema":{"type":"object","additionalProperties":true}}}},"422":{"description":"Arguments failed validation","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}},"429":{"description":"Rate limit exceeded (see Retry-After)","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}}},"x-read-only":true}},"/v1/tools/loancompare_glossary":{"post":{"operationId":"loancompare_glossary","summary":"Definitions of common loan terms (APR, nominal/stated interest rate, origination fee, amortization,","description":"Definitions of common loan terms (APR, nominal/stated interest rate, origination fee, amortization,\n    principal, points, total cost of a loan, ...). Use for \"what does APR mean vs the nominal rate\", \"what's an\n    origination fee\".","tags":["tools"],"requestBody":{"required":true,"content":{"application/json":{"schema":{"properties":{"term":{"anyOf":[{"type":"string"},{"type":"null"}],"default":null,"description":"A specific term to look up; omit to list all.","title":"Term"}},"title":"loancompare_glossaryArguments","type":"object"}}}},"responses":{"200":{"description":"Tool result. `ok: true` on success; `ok: false` with a structured `error` (provider_unavailable, upstream_error, bad_input) when the tool could not answer.","content":{"application/json":{"schema":{"type":"object","additionalProperties":true}}}},"422":{"description":"Arguments failed validation","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}},"429":{"description":"Rate limit exceeded (see Retry-After)","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}}},"x-read-only":true}}}}