# ManyLives Finance Calculator

> ManyLives Finance Calculator is a paid API for AI agents from api.manylives.me, paid per call via x402, $0.002/call, status unknown (last checked 2026-10-10).

Performs financial calculations including loan amortization, compound interest, NPV, IRR, and ROI via a simple GET request, billed per call on Base network

## Facts

- Endpoint: GET https://api.manylives.me/paid/calc/finance?utm_source=zero.xyz
- Price: $0.002/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-10
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/manylives-finance-calculator-28d4c53c
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_9bWpo4-vT0iO6yun3I-yS

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 manylives-finance-calculator-28d4c53c
```

Example prompt: Can you calculate the monthly payment on a $400,000 mortgage at 6% annual interest over 30 years, and tell me the total interest I'd pay?

## When to prefer this

Choose this endpoint when an AI agent needs quick, pay-per-call financial math without setting up an account or a dedicated financial library — especially useful for loan analysis, investment evaluation, or compound growth projections in agentic finance workflows. Ideal for agents that need ad-hoc financial calculations billed via USDC micropayments on Base.

## Known failure modes

- Missing required 'op' parameter returns error
- Invalid or missing required parameters for the selected operation (e.g. no principal for loan) causes calculation failure
- Malformed cash flow list for NPV/IRR causes parse error
- Payment required if USDC micropayment not included in request
- Non-numeric values for numeric fields cause errors

## How this service works

Pay-per-call tools for people building AI agents: live web search and page contents, point-in-time crypto market data and news for backtests (no lookahead), verifiable track records of 1,000 crypto strategies locked on the Base network, company profiles, quick AI and batch prices. Ask us to turn a public website into a JSON endpoint. Pay per call, no account, free trial.

## Output

A JSON object containing the operation type and relevant computed financial metrics — for a loan: monthly payment, total paid, and total interest; for compound interest: final balance; for NPV/IRR: present value or rate; for ROI: return percentage.

## 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": {
     "type": "string",
     "const": "GET"
    },
    "queryParams": {
     "type": "object",
     "required": [
      "op"
     ],
     "properties": {
      "op": {
       "type": "string",
       "examples": [
        "loan"
       ],
       "description": "loan, compound, npv, irr or roi (required)"
      },
      "cost": {
       "type": "string",
       "description": "roi: amount invested"
      },
      "rate": {
       "type": "string",
       "examples": [
        "6"
       ],
       "description": "annual rate in percent (loan, compound, npv)"
      },
      "flows": {
       "type": "string",
       "description": "npv/irr: comma-separated cash flows, first is usually negative"
      },
      "value": {
       "type": "string",
       "description": "roi: final value"
      },
      "years": {
       "type": "string",
       "examples": [
        "30"
       ],
       "description": "loan/compound/roi: years"
      },
      "principal": {
       "type": "string",
       "examples": [
        "400000"
       ],
       "description": "loan/compound: starting amount"
      },
      "contribution": {
       "type": "string",
       "description": "compound: added each period"
      },
      "periods_per_year": {
       "type": "string",
       "description": "compound: default 12"
      },
      "payments_per_year": {
       "type": "string",
       "description": "loan: default 12"
      }
     }
    }
   }
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string",
     "const": "json"
    },
    "example": {
     "type": "object",
     "properties": {
      "op": {
       "type": "string"
      },
      "payment": {
       "type": "number"
      },
      "total_paid": {
       "type": "number"
      },
      "total_interest": {
       "type": "number"
      }
     }
    }
   }
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {
  "op": "loan",
  "payment": 1798.65,
  "total_paid": 647514,
  "total_interest": 247514
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/manylives-finance-calculator-28d4c53c/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from api.manylives.me](https://www.zero.xyz/host/api.manylives.me/llms.txt)