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MoneyTools APR ↔ APY Converter & Earnings Projector
x402
MoneyTools APR ↔ APY Converter & Earnings Projector is a paid API for AI agents from tools.moneytools.dev, paid per call via x402, $0.001/call, status unknown (last checked 2026-11-05).
Converts APR to APY (or APY to APR) for any compounding frequency, projects earnings over N days with optional performance fee, and calculates doubling time
Price / call$0.001
Success—
StatusUnknown
How this service works
APR ↔ APY & compounding: Convert APR to APY (or back) for any compounding frequency, project earnings over N days with optional performance fee, doubling time. Free tier 10/day; then $0.001 via x402 (HTTP 402 + PAYMENT-REQUIRED) or X-API-Key credits. Not charged on failure. $0.001 USDC per call via x402 on Base. Run by MoneyTools.
Output
Returns the converted APY or APR value, effective compounding periods per year, projected earnings on the principal over the specified days, doubling time in days/years, and payment metadata including whether the free tier was used or a $0.001 USDC charge was applied
Example use cases
DeFi yield comparison for stakers
“I'm looking at a staking pool offering 18% APR compounded hourly — what's the actual APY, and how much would $20,000 earn in 180 days with a 10% performance fee?”
Savings account effective rate check
“My bank advertises 5.25% APR compounded monthly — what's the real APY I'm earning each year?”
Doubling time calculation for investor
“If I invest at 8% APR compounded daily, how long will it take to double my money?”
Technical details
Endpoint
GEThttps://tools.moneytools.dev/v1/apy?utm_source=zero.xyzWhen to prefer
Use this endpoint when you need precise financial math for APR/APY conversion with configurable compounding frequency (daily, weekly, monthly, hourly, block, or custom periods per year), earnings projection over a custom time window, performance fee deduction, or doubling time — especially in DeFi, savings, or lending contexts where compounding period matters. It offers a free tier of 10 calls/day and micropayment pricing at $0.001 USDC via x402 on Base, making it cost-effective for occasional or high-volume agent use.
Side effects
- Missing required apr or apy parameter returns an error
- Invalid compounding frequency string returns a parse error
- Negative or zero APR/APY values may return validation errors
- Free tier exhausted (10/day) without payment credentials returns HTTP 402 with PAYMENT-REQUIRED
- Network issues on Base blockchain may delay x402 payment processing
Input
Schema · Request body
| Field | Type | Description |
|---|---|---|
| inputrequired | object | |
| output | object |
Output
Schema · Response
{
"type": "json"
}Tags
x402
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