# Finance Calculators – ROI & CAGR

> Finance Calculators – ROI & CAGR 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 return on investment (ROI) and compound annual growth rate (CAGR) given a starting value, ending value, and number of years held.

## Facts

- Endpoint: GET https://finance-calculators.x402tookit.com/roi-cagr?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-roi-cagr-55389cc3
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_W7QRQ8rPj2Xma80xix_7f

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-roi-cagr-55389cc3
```

Example prompt: What was the ROI and CAGR on an investment that started at $15,000, grew to $42,000, and was held for 6 years?

## When to prefer this

Use this endpoint when you need a fast, structured computation of both ROI and CAGR from just three numeric inputs — start value, end value, and time period. It is ideal for investment performance reviews, portfolio benchmarking, or any scenario where annualized growth rate and total return are needed simultaneously without building the math manually.

## Known failure modes

- Missing required query parameters (start, end, or years) returns an error
- Non-numeric values for start, end, or years cause a validation failure
- Years value of zero causes a division-by-zero or undefined CAGR result
- Negative start value may produce mathematically undefined CAGR
- Payment failure (x402) results in 402 response before computation occurs

## How this service works

Return on investment and compound annual growth rate (CAGR) from a start value, end value and years held.

## Output

Returns a JSON object containing total return percentage, CAGR as a percentage, absolute gain, investment multiple, a plain-language summary, a verdict, and a disclaimer. May also include a source label, asOf date, and degraded/notChecked flags if data quality is partial.

## 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": [
      "start",
      "end",
      "years"
     ],
     "properties": {
      "end": {
       "type": "number",
       "description": "Ending value"
      },
      "start": {
       "type": "number",
       "description": "Starting value"
      },
      "years": {
       "type": "number",
       "description": "Years between them"
      }
     }
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string"
    },
    "example": {
     "type": "object",
     "properties": {
      "asOf": {
       "type": [
        "null",
        "string"
       ]
      },
      "gain": {
       "type": [
        "null",
        "number"
       ]
      },
      "source": {
       "type": [
        "null",
        "string"
       ]
      },
      "cagrPct": {
       "type": [
        "null",
        "number"
       ]
      },
      "reasons": {
       "type": [
        "array",
        "null"
       ],
       "items": {
        "type": "string"
       }
      },
      "summary": {
       "type": [
        "null",
        "string"
       ]
      },
      "verdict": {
       "type": [
        "null",
        "string"
       ]
      },
      "degraded": {
       "type": [
        "boolean",
        "null"
       ]
      },
      "multiple": {
       "type": [
        "null",
        "number"
       ]
      },
      "disclaimer": {
       "type": [
        "null",
        "string"
       ]
      },
      "notChecked": {
       "type": [
        "array",
        "null"
       ],
       "items": {
        "type": "string"
       }
      },
      "totalReturnPct": {
       "type": [
        "null",
        "number"
       ]
      }
     }
    }
   }
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/finance-calculators-roi-cagr-55389cc3/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)