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Compound Interest Projection API
x402
Compound Interest Projection API is a paid API for AI agents from api.24klabs.ai, paid per call via x402, $0.002/call, status unknown (last checked 2026-09-13).
Projects the future value of a lump-sum investment plus recurring contributions over time, returning a balance growth curve, total contributed, and total interest earned.
Price / call$0.002
Success—
StatusUnknown
How this service works
Future value of a lump sum plus recurring contributions: principal, annual rate, compounding frequency, contribution and years; returns balance curve, total contributed, total interest.
Output
Returns a time-series balance curve showing the account value at each period, along with summary figures for total amount contributed and total interest earned over the investment horizon.
Example use cases
Retirement savings growth forecast
“I have $25,000 saved up and plan to add $500 every month. If I get a 7% annual return compounded monthly, what will my balance look like after 30 years — show me the year-by-year curve and how much of it is interest versus contributions.”
College fund planning projection
“My kid is 3 years old and I want to start a college fund with $5,000 now and put in $300 a month. Assuming a 5% annual rate compounded quarterly, how much will I have in 15 years and how much of that is from interest?”
Emergency fund growth simulation
“If I put $2,000 in a high-yield savings account earning 4.5% annually compounded daily, and add $100 each month, what will my balance be at the end of 5 years and what's the total interest earned?”
Technical details
Endpoint
POSThttps://api.24klabs.ai/api/v1/compound-interest-projectionWhen to prefer
Choose this endpoint when you need a detailed time-series projection of investment or savings growth that combines a lump-sum principal with recurring contributions, especially when you need both the balance curve over time and a breakdown of contributed capital versus earned interest. Prefer this over simple future-value formulas when you need the full growth curve (not just the terminal value).
Side effects
- Invalid or negative interest rate returns a validation error
- Non-positive compounding frequency (e.g. zero periods per year) causes a computation error
- Missing required fields (principal, rate, years) results in a 400 bad request
- Extremely large values or very long time horizons may cause numeric overflow errors
- Invalid compounding frequency identifier returns an error
Input
Schema · Request body
| Field | Type | Description |
|---|---|---|
| years | number | |
| principal | number | |
| annual_rate | number | |
| contribution | number | |
| compounds_per_year | number |
Output
Schema · Response
{
"type": "json",
"example": {
"final_balance": 55172.5,
"total_interest": 21172.5,
"total_contributed": 34000
}
}Tags
x402
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