# Finance Calculators – NPV & IRR

> Finance Calculators – NPV & IRR is a paid API for AI agents from finance-calculators.x402tookit.com, paid per call via x402, $0.02/call, status unknown (last checked 2026-10-29).

Calculates net present value (NPV) and internal rate of return (IRR) for a series of cash flows, and returns an accept/reject verdict at the given discount rate.

## Facts

- Endpoint: GET https://finance-calculators.x402tookit.com/npv-irr?utm_source=zero.xyz
- Price: $0.02/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-29
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/finance-calculators-npv-irr-a41ef659
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_daw1CvANmc08uyWXLqaKd

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 finance-calculators-npv-irr-a41ef659
```

Example prompt: Can you calculate the NPV and IRR for a project with cash flows of -50000, 15000, 18000, 22000, 25000 using a 9% discount rate, and tell me whether I should accept or reject it?

## When to prefer this

Use this endpoint when you need a quick, paid-API-quality NPV and IRR computation with a built-in accept/reject verdict rather than implementing the math yourself. It is especially useful for AI agents performing investment screening, capital budgeting, or financial planning tasks where a clear recommendation at a stated discount rate is needed alongside the raw numbers.

## Known failure modes

- Missing required 'flows' parameter returns an error
- Too many cash flow periods (over 60) may be rejected
- Non-numeric values in the flows string cause parse errors
- Cash flows with no sign change may yield no valid IRR (irrPct returned as null)
- Unusual cash flow patterns (multiple sign changes) may produce multiple IRRs or unreliable IRR; service may flag this via signChanges field

## How this service works

Net present value and internal rate of return (IRR) for a list of cash flows, with a clear accept/reject-at-rate verdict.

## Output

Returns NPV (numeric), IRR as a percentage, number of periods, payback period, number of sign changes in the cash flow series, a verdict string (accept or reject at the given rate), a plain-English summary, and optional disclaimer or degraded-mode flags.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "$schema": "https://json-schema.org/draft/2020-12/schema",
 "required": [
  "input"
 ],
 "properties": {
  "input": {
   "type": "object",
   "required": [
    "type",
    "method"
   ],
   "properties": {
    "type": {
     "type": "string",
     "const": "http"
    },
    "method": {
     "enum": [
      "GET"
     ],
     "type": "string"
    },
    "queryParams": {
     "type": "object",
     "required": [
      "flows"
     ],
     "properties": {
      "flows": {
       "type": "string",
       "description": "Comma-separated cash flows, first is period 0 (usually negative), up to 60"
      },
      "discount_rate_pct": {
       "type": "number",
       "description": "Discount rate in percent, default 10"
      }
     }
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string"
    },
    "example": {
     "type": "object",
     "properties": {
      "npv": {
       "type": [
        "null",
        "number"
       ]
      },
      "asOf": {
       "type": [
        "null",
        "string"
       ]
      },
      "irrPct": {
       "type": [
        "null",
        "number"
       ]
      },
      "source": {
       "type": [
        "null",
        "string"
       ]
      },
      "periods": {
       "type": [
        "null",
        "number"
       ]
      },
      "reasons": {
       "type": [
        "array",
        "null"
       ],
       "items": {
        "type": "string"
       }
      },
      "summary": {
       "type": [
        "null",
        "string"
       ]
      },
      "verdict": {
       "type": [
        "null",
        "string"
       ]
      },
      "degraded": {
       "type": [
        "boolean",
        "null"
       ]
      },
      "disclaimer": {
       "type": [
        "null",
        "string"
       ]
      },
      "notChecked": {
       "type": [
        "array",
        "null"
       ],
       "items": {
        "type": "string"
       }
      },
      "signChanges": {
       "type": [
        "null",
        "number"
       ]
      },
      "paybackPeriod": {
       "type": [
        "null",
        "number"
       ]
      },
      "discountRatePct": {
       "type": [
        "null",
        "number"
       ]
      }
     }
    }
   }
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/finance-calculators-npv-irr-a41ef659/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from finance-calculators.x402tookit.com](https://www.zero.xyz/host/finance-calculators.x402tookit.com/llms.txt)