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QuantOracle Present Value (TVM)
x402
QuantOracle Present Value (TVM) is a paid API for AI agents from api.quantoracle.dev, paid per call via x402, $0.002/call, status unknown (last checked 2026-09-14).
Calculates the present value of an annuity or lump sum using time-value-of-money discounting, given a periodic payment, interest rate, number of periods, and payment timing.
Price / call$0.002
Success—
StatusUnknown
How this service works
QuantOracle: tvm/present-value
Output
Returns a JSON object containing the present_value (total discounted value), pv_of_annuity (contribution from periodic payments), pv_of_lump_sum (contribution from any terminal lump sum), total_payments (undiscounted sum), discount_factor, and the computation latency in milliseconds.
Example use cases
Example prompt
“What's the present value of an ordinary annuity that pays $1,000 at the end of each period for 10 periods at a 5% discount rate?”
Technical details
Endpoint
POSThttps://api.quantoracle.dev/v1/tvm/present-valueWhen to prefer
Choose this endpoint when you need a fast, precise present-value computation for annuities or discounted cash flows and want a breakdown of PV components (annuity vs lump sum) along with the discount factor — especially in automated financial analysis pipelines that need sub-10ms results at low per-call cost.
Side effects
- Invalid rate (negative or non-numeric) returns a 400 error
- Zero or negative periods returns a validation error
- Unsupported payment_timing value (not 'beginning' or 'end') causes a 400
- Missing required fields such as rate or periods returns a 422 unprocessable entity
- Network timeout or service unavailability returns a 5xx error
Input
{
"rate": 0.05,
"payment": 1000,
"periods": 10
}Schema · Request body
| Field | Type | Description |
|---|---|---|
| rate | number | Discount rate per period |
| payment | number | Periodic payment amount (annuity) |
| periods | integer | Number of periods |
| future_value | number | Future lump sum to discount |
| payment_timing | string | Payment at end or beginning of period |
Output
{
"ms": 11.17,
"_meta": {
"url": "https://quantoracle.dev",
"docs": "https://api.quantoracle.dev/docs",
"powered_by": "QuantOracle"
},
"present_value": 7721.7349,
"pv_of_annuity": 7721.7349,
"pv_of_lump_sum": 0,
"total_payments": 10000,
"discount_factor": 0.613913
}Tags
x402
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