# finmath IRR Calculator

> finmath IRR Calculator is a paid API for AI agents from finmath.qzqh5rrbkz.workers.dev, paid per call via x402, $0.001/call, status unknown (last checked 2026-09-15).

Computes the Internal Rate of Return (IRR) for a series of cash flows with deterministic, exact arithmetic

## Facts

- Endpoint: POST https://finmath.qzqh5rrbkz.workers.dev/v1/irr
- Price: $0.001/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-15
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/finmath-irr-calculator-00e5b81c
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_Sl_bY6sZi6xjp_J5J-agK

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 finmath-irr-calculator-00e5b81c -d '<json body>'
```

Example prompt: What's the IRR on a deal where I put in -$100,000 upfront and then receive $20,000, $35,000, $40,000, and $50,000 over the next four years?

## When to prefer this

Choose this endpoint when you need a deterministic, exact IRR calculation that LLMs and spreadsheet approximations may get wrong — especially for investment analysis, capital budgeting, private equity, or any scenario involving irregular periodic cash flows where precision matters. Prefer over LLM-computed math when auditability and exactness are required.

## Known failure modes

- Cash flows with no sign change may return no real IRR solution (non-convergence)
- Empty or single-element cashflows array may return an error
- All-positive or all-negative cash flows have no IRR solution
- Numerical convergence failure if cash flows are extreme or degenerate
- Missing required cashflows field returns validation error

## How this service works

Deterministic finance and crypto math for AI agents: TradFi (NPV, IRR, XIRR, Black-Scholes + Greeks, bonds, VaR, Sharpe) and DeFi (impermanent loss, perp liquidation, funding, Uniswap v3, health factor, cost basis). Exact, model-free arithmetic that LLMs get wrong — priced per call in USDC.

## Output

Returns the computed IRR as a numeric result (the periodic rate of return that makes the net present value of the cash flows equal to zero), along with metadata about the computation such as convergence status and iteration details.

## Example request

```json
{
 "cashflows": [
  -1000,
  300,
  300,
  300,
  300
 ]
}
```

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "required": [
  "cashflows"
 ],
 "properties": {
  "cashflows": {
   "type": "array",
   "description": "cashflows"
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "object",
 "required": [
  "result",
  "meta"
 ],
 "properties": {
  "meta": {
   "type": "object"
  },
  "result": {}
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/finmath-irr-calculator-00e5b81c/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from finmath.qzqh5rrbkz.workers.dev](https://www.zero.xyz/host/finmath.qzqh5rrbkz.workers.dev/llms.txt)