# finmath Present Value Calculator

> finmath Present Value 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 present value (PV) of a future amount given a number of periods and a per-period discount rate

## Facts

- Endpoint: POST https://finmath.qzqh5rrbkz.workers.dev/v1/present_value
- 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-present-value-calculator-215f5735
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_Aj7-cnXuPTfWDVMyN6clK

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-present-value-calculator-215f5735 -d '<json body>'
```

Example prompt: What is the present value of $50,000 received 10 periods from now, using a discount rate of 5% per period?

## When to prefer this

Choose this endpoint when you need exact, deterministic present value arithmetic rather than relying on an LLM's approximate in-context math. Ideal for AI agents performing financial analysis, DCF modeling, bond valuation, or investment comparisons where numerical precision is critical. Prefer it over general-purpose LLM computation when auditability and reproducibility matter.

## Known failure modes

- Missing required fields (amount, periods, rate_per_period) returns a 400/validation error
- Non-numeric input for any required field causes a parse or validation error
- rate_per_period of -1 or less (causing division by zero or undefined result) may return an error or NaN
- Payment failure or insufficient USDC balance returns 402 Payment Required

## 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 a JSON object with a 'result' field containing the computed present value as a number, and a 'meta' object with supplementary calculation metadata.

## Example request

```json
{
 "amount": 1000,
 "periods": 5,
 "rate_per_period": 0.05
}
```

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "required": [
  "amount",
  "periods",
  "rate_per_period"
 ],
 "properties": {
  "amount": {
   "type": "number",
   "description": "amount"
  },
  "periods": {
   "type": "number",
   "description": "periods"
  },
  "rate_per_period": {
   "type": "number",
   "description": "rate_per_period"
  }
 }
}
```

## 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-present-value-calculator-215f5735/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)