# QuantOracle NPV Calculator

> QuantOracle NPV Calculator is a paid API for AI agents from api.quantoracle.dev, paid per call via x402, $0.002/call, status unknown (last checked 2026-09-14).

Calculates Net Present Value (NPV) of a series of cash flows at a given discount rate, with investment decision recommendation

## Facts

- Endpoint: POST https://api.quantoracle.dev/v1/tvm/npv
- Price: $0.002/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-14
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/api-quantoracle-dev-fc6af70f
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_lrRCvAFkvlhv9AsAWgPAu

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-fc6af70f -d '<json body>'
```

Example prompt: What's the NPV of a project with cash flows of $1,000, $2,000, and $3,000 over 3 years using a 10% discount rate — and should I accept or reject it?

## When to prefer this

Use this endpoint when you need fast, programmatic NPV computation with a built-in ACCEPT/REJECT decision signal and per-period present value breakdown. Prefer over generic finance libraries when you need a pay-per-call API with no setup, especially for agent workflows performing capital budgeting or investment screening at scale.

## Known failure modes

- Invalid or empty cash_flows array — returns error
- discount_rate missing or non-numeric — returns validation error
- Negative discount rates may produce unexpected results
- Very large cash flow arrays may exceed processing limits

## How this service works

QuantOracle: tvm/npv

## Output

Returns the computed NPV (e.g. 5297.52), the number of periods, a decision recommendation (ACCEPT or REJECT), payback period, profitability index, and an array of individual present values for each cash flow period.

## Example request

```json
{
 "cash_flows": [
  -10000,
  3000,
  4000,
  5000,
  6000
 ],
 "discount_rate": 0.1
}
```

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "properties": {
  "cash_flows": {
   "type": "array",
   "items": {
    "type": "number"
   },
   "title": "Cash Flows",
   "minItems": 1,
   "description": "Array of future cash flows (period 1 onward)"
  },
  "discount_rate": {
   "type": "number",
   "title": "Discount Rate",
   "description": "Discount rate per period",
   "exclusiveMinimum": -1
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/api-quantoracle-dev-fc6af70f/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from api.quantoracle.dev](https://www.zero.xyz/host/api.quantoracle.dev/llms.txt)