# AgentUtility ROI Calculator

> AgentUtility ROI Calculator is a paid API for AI agents from x402.agentutility.ai, paid per call via x402, $0.01/call, status unknown (last checked 2026-09-13).

Computes a deterministic ROI analysis for an investment or project, returning a graded score, CAGR, money multiple, and actionable recommendation.

## Facts

- Endpoint: POST https://x402.agentutility.ai/roi-calculator
- Price: $0.01/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-13
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/agentutility-roi-calculator-93a2f8db
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_tENGYk8ZA251k9S-8P8rJ

Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently.

## How to call it through Zero

Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`):

```sh
zero fetch --capability agentutility-roi-calculator-93a2f8db -d '<json body>'
```

Example prompt: Score the ROI on a deal where I'm putting in $500,000, projecting $840,000 back over 4 years with a 1.42x debt service coverage ratio — give me the grade, CAGR, money multiple, and whether I should proceed.

## When to prefer this

Use this endpoint when you need a fast, deterministic, structured ROI grade with weighted financial driver breakdown and a plain-English recommendation — particularly for real estate, M&A, or project finance scenarios where DSCR and CAGR are key metrics. Prefer this over LLM-based financial reasoning when you need reproducible, auditable scores with consistent methodology.

## Known failure modes

- Missing required financial inputs returns a 400-level error
- Invalid or negative investment amounts may produce nonsensical scores
- Extreme input values (zero revenue, infinite leverage) may trigger warnings array rather than hard failure
- Payment not settled via x402 returns a 402 Payment Required response before computation occurs

## How this service works

Paid x402 endpoints organized into product clusters. USDC-settled on Base. MCP-callable. ERC-8004 identity registry agentId 47167.

## Output

Returns a JSON object containing: a letter-style grade (e.g. 'strong'), a composite numeric score (0–100), CAGR percentage, money multiple, ROI percentage, a list of weighted driver scores with notes (e.g. debt_service_coverage), any warnings, and a plain-English recommendation on whether to proceed.

## Request schema (JSON Schema)

```json
{
 "$schema": "https://json-schema.org/draft/2020-12/schema",
 "type": "object",
 "properties": {
  "input": {
   "type": "object",
   "properties": {
    "type": {
     "type": "string",
     "const": "http"
    },
    "method": {
     "type": "string",
     "enum": [
      "POST"
     ]
    },
    "bodyType": {
     "type": "string",
     "enum": [
      "json",
      "form-data",
      "text"
     ]
    },
    "body": {
     "properties": {
      "initial_investment": {
       "type": "number",
       "description": "Initial invested capital."
      },
      "final_value": {
       "type": "number",
       "description": "Ending value. Optional if net_profit is supplied."
      },
      "net_profit": {
       "type": "number",
       "description": "Net profit. Optional if final_value is supplied."
      },
      "years": {
       "type": "number",
       "description": "Holding period in years. Default 1."
      }
     },
     "required": [
      "initial_investment"
     ]
    }
   },
   "required": [
    "type",
    "method",
    "bodyType",
    "body"
   ],
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "properties": {
    "type": {
     "type": "string"
    },
    "example": {
     "type": "object",
     "properties": {
      "calculator": {
       "type": "string"
      },
      "score": {
       "type": "number"
      },
      "grade": {
       "type": "string"
      },
      "recommendation": {
       "type": "string"
      },
      "metrics": {
       "type": "object",
       "properties": {
        "roi_pct": {
         "type": "integer"
        },
        "cagr_pct": {
         "type": "number"
        },
        "money_multiple": {
         "type": "number"
        }
       }
      },
      "drivers": {
       "type": "array",
       "items": {
        "type": "object",
        "properties": {
         "name": {
          "type": "string"
         },
         "score": {
          "type": "number"
         },
         "weight": {
          "type": "number"
         },
         "note": {
          "type": "string"
         }
        }
       }
      },
      "warnings": {
       "type": "array"
      },
      "source": {
       "type": "string"
      }
     }
    }
   },
   "required": [
    "type"
   ]
  }
 },
 "required": [
  "input"
 ]
}
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {
  "grade": "strong",
  "score": 74.2,
  "source": "deterministic in-process finance calculator; no upstream API",
  "drivers": [
   {
    "name": "debt_service_coverage",
    "note": "1.42x DSCR",
    "score": 83.6,
    "weight": 0.3
   }
  ],
  "metrics": {
   "roi_pct": 68,
   "cagr_pct": 15.95,
   "money_multiple": 1.68
  },
  "warnings": [],
  "calculator": "roi-calculator",
  "recommendation": "Proceed with standard diligence and covenant checks."
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/agentutility-roi-calculator-93a2f8db/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from x402.agentutility.ai](https://www.zero.xyz/host/x402.agentutility.ai/llms.txt)