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Future Value Calculator (finance.openverbs.com)
x402
Future Value Calculator (finance.openverbs.com) is a paid API for AI agents from finance.openverbs.com, paid per call via x402, $0.004/call, status unknown (last checked 2026-10-29).
Calculates the future value of a present lump sum and/or a level periodic payment (annuity), given a per-period interest rate and number of periods, with support for annuity-due timing.
Price / call$0.004
Success—
StatusUnknown
How this service works
Future value of a present sum and/or a level annuity, given a per-period rate and number of periods. Set dueAtBeginning=true for an annuity-due (payments at the start of each period).
Output
A computed future value figure representing how much a present sum and/or a series of level periodic payments will be worth after a given number of compounding periods at the specified per-period interest rate. The response reflects ordinary annuity (end-of-period payments) or annuity-due (beginning-of-period payments) depending on the dueAtBeginning flag.
Example use cases
Retirement savings projection
“I'm starting a retirement account with $10,000 today and plan to contribute $400 per month for 30 years. If I earn 7% per year (so about 0.583% per period), how much will I have at retirement?”
Lump-sum college fund growth
“I'm putting $25,000 into a 529 college fund today and won't add anything else. At a 4% annual interest rate compounded yearly for 18 years, what will it grow to?”
Annuity-due future value comparison
“My client makes $1,000 contributions at the start of each month for 24 months at 0.5% per period. What's the future value of those payments using annuity-due timing?”
Technical details
Endpoint
POSThttps://finance.openverbs.com/v1/future-value?utm_source=zero.xyzWhen to prefer
Choose this endpoint when you need a standard time-value-of-money future value calculation for a lump sum, a level annuity, or a combination of both. It handles both ordinary annuity and annuity-due conventions via the dueAtBeginning flag. Prefer it over general compound interest endpoints when periodic payments are involved, and over NPV/IRR endpoints when you are projecting forward rather than discounting cash flows.
Side effects
- Missing required fields (ratePercent or periods) returns a validation error
- periods exceeding 100,000 or ratePercent outside -99 to 1000 range returns a 400 bad request
- Negative interest rates near -99% may produce near-zero or unexpected results
- Non-integer periods value is rejected by the schema
- Incorrect bodyType (not json/form-data/text) causes a request format error
- Payment/presentValue not provided defaults to 0, which may produce a trivial result if the caller forgets to include them
Input
Schema · Request body
| Field | Type | Description |
|---|---|---|
| payment | number | Level payment per period (annuity). Default 0. |
| periods | integer | Number of periods. |
| ratePercent | number | Interest rate per period, as a percentage. |
| presentValue | number | Present lump sum. Default 0. |
| dueAtBeginning | boolean | Annuity-due (payments at period start). Default false. |
Tags
x402
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