# QuantOracle: Time Value of Money – Future Value Calculator

> QuantOracle: Time Value of Money – Future Value Calculator is a paid API for AI agents from api.quantoracle.dev, paid per call via x402, $0.002/call, status unknown (last checked 2026-09-13).

Computes the future value of a lump sum or annuity given an interest rate, number of periods, and present value

## Facts

- Endpoint: POST https://api.quantoracle.dev/v1/tvm/future-value
- Price: $0.002/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-13
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/api-quantoracle-dev-2fe6f6a5
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_hJwl7MCHU1pc5TE8v5akY

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 api-quantoracle-dev-2fe6f6a5 -d '<json body>'
```

Example prompt: What will $10,000 be worth after 10 years if I invest it at a 5% annual interest rate? Show me the total interest earned and the growth factor.

## When to prefer this

Use this endpoint when you need a precise, fast, server-side TVM future value computation with detailed breakdown (growth factor, total interest, lump sum vs annuity split) rather than computing locally. Especially useful in automated financial planning agents or when auditable, consistent computation is required across many scenarios.

## Known failure modes

- Missing required fields (rate, periods, present_value) returns 400 Bad Request
- Negative periods or nonsensical rate values may return a validation error
- Service unavailable returns 503
- Payment failure or insufficient USDC balance blocks the request

## How this service works

QuantOracle: tvm/future-value

## Output

Returns the computed future value of the lump sum, growth factor, total interest accrued, future value of any annuity component, and total payments — along with response latency in milliseconds.

## Example request

```json
{
 "rate": 0.05,
 "periods": 10,
 "present_value": 1000
}
```

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "properties": {
  "rate": {
   "type": "number",
   "title": "Rate",
   "description": "Interest rate per period",
   "exclusiveMinimum": -1
  },
  "payment": {
   "type": "number",
   "title": "Payment",
   "default": 0,
   "description": "Periodic payment amount (annuity)"
  },
  "periods": {
   "type": "integer",
   "title": "Periods",
   "maximum": 1000,
   "minimum": 1,
   "description": "Number of periods"
  },
  "present_value": {
   "type": "number",
   "title": "Present Value",
   "default": 0,
   "description": "Present lump sum to grow"
  },
  "payment_timing": {
   "enum": [
    "end",
    "begin"
   ],
   "type": "string",
   "title": "Payment Timing",
   "default": "end",
   "description": "Payment at end or beginning of period"
  }
 }
}
```

## More

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