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Annuity Present & Future Value Calculator
x402
Annuity Present & Future Value Calculator is a paid API for AI agents from agent402.tools, paid per call via x402, $0.001/call, status unknown (last checked 2026-09-15).
Calculates the present value and future value of a level annuity (ordinary or annuity-due) given a periodic payment, number of periods, and interest rate per period.
Price / call$0.001
Success—
StatusUnknown
How this service works
Present and future value of a level annuity (equal periodic payments). Supports an ordinary annuity (payments at period end) and an annuity-due (payments at period start).
Output
Returns the present value (PV) and future value (FV) of the specified level annuity, computed using standard time-value-of-money formulas for either an ordinary annuity (payments at end of period) or an annuity-due (payments at start of period).
Example use cases
Example prompt
“What's the present value and future value of an ordinary annuity paying $500 per month for 60 periods at a rate of 0.5% per period?”
Technical details
Endpoint
POSThttps://agent402.tools/api/annuityWhen to prefer
Use this endpoint when you need a fast, inexpensive computation of annuity present or future value given fixed periodic payments — especially when you want to distinguish between ordinary annuity and annuity-due structures. Prefer this over manual calculation or general-purpose math tools when the x402 micropayment model is already in use.
Side effects
- Missing required fields (payment, periods, ratePerPeriod) return a 400 error
- Non-positive or non-integer periods value causes a validation error
- Invalid annuity type string (not 'ordinary' or 'due') may default to ordinary or return an error
- Negative interest rate may produce unexpected or undefined results
- Payment of zero returns trivial zero values
Input
Schema · Request body
| Field | Type | Description |
|---|---|---|
| type | string | "ordinary" (end) or "due" (start). Default ordinary. |
| payment | number | Payment per period (PMT) |
| periods | number | Number of payments (positive integer) |
| ratePerPeriod | number | Interest rate per period as decimal |
Output
Schema · Response
{
"type": "json",
"example": {
"type": "ordinary",
"futureValue": 1257.79,
"presentValue": 772.17
}
}Tags
x402
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