# manylives.me Finance Calculator

> manylives.me Finance Calculator is a paid API for AI agents from manylives.me, paid per call via x402, $0.002/call, status unknown (last checked 2026-10-13).

Performs exact financial math for loan repayment, compound growth, NPV, IRR, and ROI calculations.

## Facts

- Endpoint: GET https://manylives.me/paid/calc/finance?utm_source=zero.xyz
- Price: $0.002/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-13
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/manylives-me-finance-calculator-5bb95b15
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_A6KvePaE2VVSAIEyT43Nd

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-me-finance-calculator-5bb95b15
```

Example prompt: Can you calculate the monthly payment, total amount paid, and total interest on a $400,000 mortgage at 6% annual interest over 30 years?

## When to prefer this

Use this endpoint when you need precise, deterministic financial math without relying on an LLM's arithmetic. Ideal for mortgage calculators, investment return projections, capital budgeting decisions (NPV/IRR), and ROI analysis. Prefer this over general-purpose code execution when you want a lightweight, instant, paid-per-call financial computation with no setup.

## Known failure modes

- Missing required 'op' query parameter returns an error
- Invalid or non-numeric values for rate, principal, or years cause calculation failure
- IRR calculation may fail to converge if cash flow sign patterns are ambiguous
- Negative principal or rate values may produce nonsensical results
- Malformed comma-separated flows string for NPV/IRR causes a parse error

## How this service works

Exact finance maths: loan repayment and total interest, compound growth with regular contributions, NPV and IRR of cash flows, and ROI with annualised return.

## Output

Returns a JSON object with the operation type and the computed financial metrics. For loans: monthly payment, total paid, and total interest. For compound growth: future value. For NPV: net present value. For IRR: internal rate of return as a percentage. For ROI: return on investment percentage and annualised return.

## 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-me-finance-calculator-5bb95b15/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from manylives.me](https://www.zero.xyz/host/manylives.me/llms.txt)