# AgentUtility Unit Economics Calculator

> AgentUtility Unit Economics Calculator is a paid API for AI agents from x402.agentutility.ai, paid per call via x402, $0.01/call, status unknown (last checked 2026-09-14).

Computes unit economics health metrics (LTV, CAC ratio, payback period, DSCR) and returns a graded score with actionable recommendations for a business or deal.

## Facts

- Endpoint: POST https://x402.agentutility.ai/unit-economics-calculator
- Price: $0.01/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-14
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/agentutility-unit-economics-calculator-e160858f
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_WxP1fMrbYpa7c_BI2O0oo

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-unit-economics-calculator-e160858f -d '<json body>'
```

Example prompt: Can you run a unit economics check on my SaaS business — my LTV is $7,872, CAC is $950, payback period is around 4.8 months, and DSCR is 1.42x? I want a grade and recommendation on whether to proceed.

## When to prefer this

Use this endpoint when you need a fast, deterministic, no-dependency unit economics score — no external API calls, no latency from third-party data sources. Ideal for agents evaluating startup health, SaaS deal diligence, or loan underwriting where DSCR, LTV, and payback are the key signals. Prefer over manual spreadsheet calculations or LLM-estimated heuristics when a reproducible numeric grade and structured per-driver breakdown is required.

## Known failure modes

- Missing required financial inputs returns a validation error
- Out-of-range or negative values for LTV/CAC may produce warnings or error
- Malformed JSON body returns 400
- Payment not settled via x402 returns 402 Payment Required

## 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 with a letter-style grade (e.g. 'strong'), a numeric score out of 100, the calculator name, per-driver breakdowns with individual scores and weights, computed metrics (LTV, LTV:CAC ratio, payback months), a list of warnings if any, and a plain-English recommendation (e.g. 'Proceed with standard diligence and covenant checks.').

## 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": {
      "arpu": {
       "type": "number",
       "description": "Average monthly revenue per user/account."
      },
      "gross_margin_pct": {
       "type": "number",
       "description": "Gross margin percent."
      },
      "monthly_churn_pct": {
       "type": "number",
       "description": "Monthly customer churn percent."
      },
      "cac": {
       "type": "number",
       "description": "Customer acquisition cost."
      },
      "payback_target_months": {
       "type": "number",
       "description": "Target CAC payback months. Default 12."
      }
     },
     "required": [
      "arpu",
      "gross_margin_pct",
      "monthly_churn_pct",
      "cac"
     ]
    }
   },
   "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": {
        "ltv": {
         "type": "integer"
        },
        "ltv_cac_ratio": {
         "type": "number"
        },
        "payback_months": {
         "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": {
   "ltv": 7872,
   "ltv_cac_ratio": 8.286,
   "payback_months": 4.8
  },
  "warnings": [],
  "calculator": "unit-economics-calculator",
  "recommendation": "Proceed with standard diligence and covenant checks."
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/agentutility-unit-economics-calculator-e160858f/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)