• MATCH
  • MISMATCH
  • MISSING
  • HUMAN

How to verify loan payment accuracy with your AI

Connect your loan documents once. After that, your AI handles the math to find discrepancies between what you paid and what you owed.

Ask AI about this page

Short answer

Can my AI check if my loan payments are correct?

Yes. Your AI uses the Interest Amortization Engine to rebuild the loan schedule from scratch based on your contract terms. It then compares these calculated values against your actual bank statements to flag errors. You get a period-by-period breakdown of principal and interest.

Audit outcomes

Where the results land.

The AI organizes its findings into these four categories.

MATCH

Verified payments

The AI confirms that the principal and interest amounts in your bank statement align with the contract. These entries are marked as accurate.

MISMATCH

Discrepancy reports

The AI identifies where the bank's math differs from the calculated amortization. You get a list of specific dates where the numbers don't add up.

MISSING

Unaccounted payments

The AI flags periods where the contract expected a payment that doesn't appear in your uploaded statements. This highlights missed or late payments.

HUMAN

Manual review needed

When the AI finds complex errors like unexpected fee applications or irregular interest shifts, it flags them for you to inspect personally.

The workflow

What your AI does when the data arrives.

The AI moves from raw data to a finished audit through these steps.

  1. Ingest documents

    Your AI reads the loan contract to extract the interest rate, term length, and payment frequency.

    calculate_amortization

  2. Rebuild the schedule

    The AI runs the math for every single payment period to create a perfect theoretical ledger.

    calculate_amortization

  3. Compare statements

    The AI maps your bank statement entries against the calculated schedule to find gaps.

    calculate_amortization

  4. Flag errors

    The AI isolates the specific principal and interest amounts that deviate from the expected values.

    calculate_amortization

Try it

Copy these to start.

Paste these directly into your chat to begin the audit.

Starting points

These are opening lines. Replace the bracketed text with your actual file names or folder paths.

Native V8 Connector

You're all set. Choose your MCP client and follow the setup instructions.

Connector linkhttps://edge.vinkius.com/vk_preview_yf7Ktkrv9TwlmFY56xUaVIR2X2cEgLdTQwmo58Ek/mcp

Claude Desktop

Follow the steps below to connect in seconds.

  1. 1In Claude Desktop, open Settings → Connectors.
  2. 2Click “Add custom connector” and paste the connector link above as the remote MCP server URL.
  3. 3Click Add and start a new chat — Native V8 capabilities are ready to use.
Configuration · claude_desktop_config.jsonCopy
{
  "mcpServers": {
    "interest-amortization-engine-mcp": {
      "url": "https://edge.vinkius.com/vk_preview_yf7Ktkrv9TwlmFY56xUaVIR2X2cEgLdTQwmo58Ek/mcp"
    }
  }
}
Copy into chat04

  • Compare the payments in my 'bank_statement_july.pdf' against the terms in 'loan_contract.pdf'.

  • Run an amortization schedule for the loan described in 'mortgage_docs.pdf' and check for errors.

  • Audit my 'payment_history.csv' using the interest rate found in 'loan_agreement.pdf'.

  • Find any discrepancies between my actual principal reductions in 'statement_2023.pdf' and the expected amounts.

  • Claude
  • ChatGPT
  • Cursor
  • VS Code
  • Windsurf
  • Claude Code
  • JetBrains
  • Cline

Start here

Connect Interest Amortization Engine once, then ask.

You only need to link the MCP once. Your login credentials stay encrypted, and you can immediately start asking questions about your files.

Connect Interest Amortization Engine to your AI

FAQ

How this task behaves.

  • 01

    Can the AI change my loan terms in the bank's system?

    No. The AI only reads your documents and performs calculations. It cannot move money or change official records.

  • 02

    Does the AI handle the actual dispute process?

    No. The AI identifies the errors, but you must handle the communication with your lender yourself.

  • 03

    What happens if my bank statement is missing a month?

    The AI will flag that period as a mismatch or a missing payment because it cannot find a corresponding entry in your files.

  • 04

    Can it calculate interest if I don't provide the contract?

    No. The AI needs the specific interest rate and terms from your contract to perform accurate calculations.

  • 05

    Does it work with scanned PDFs?

    Yes, as long as your AI client can read the text within those PDF files.

  • More questions about Interest Amortization Engine? The Connector page answers them. See everything the Interest Amortization Engine Connector can do

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