# MoneyTools APR ↔ APY Converter & Earnings Projector

> 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

## Facts

- Endpoint: GET https://tools.moneytools.dev/v1/apy?utm_source=zero.xyz
- Price: $0.001/call
- Payment: x402
- Status: unknown
- Last checked: 2026-11-05
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/moneytools-apr-apy-converter-earnings-projector-240cad00
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_hM-MgTwrLGKnqrVTutqSM

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 moneytools-apr-apy-converter-earnings-projector-240cad00
```

Example prompt: What's the APY on a 12% APR compounded daily, and how much would $5,000 earn over 365 days with no performance fee?

## When to prefer this

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.

## Known failure modes

- 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

## 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

## 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": {
     "const": "http"
    },
    "method": {
     "const": "GET"
    },
    "queryParams": {
     "type": "object",
     "required": [],
     "properties": {
      "apr": {
       "type": "number",
       "examples": [
        "12"
       ],
       "description": "APR %"
      },
      "apy": {
       "type": "string",
       "description": "APY % (instead of apr)"
      },
      "days": {
       "type": "number",
       "examples": [
        "365"
       ],
       "description": "days"
      },
      "principal": {
       "type": "number",
       "examples": [
        "1000"
       ],
       "description": "amount"
      },
      "feePercent": {
       "type": "number",
       "examples": [
        "0"
       ],
       "description": "performance fee %"
      },
      "compounding": {
       "type": "string",
       "examples": [
        "daily"
       ],
       "description": "daily|weekly|monthly|hourly|block or times/year"
      }
     }
    }
   }
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string",
     "const": "json"
    },
    "example": {
     "type": "object",
     "properties": {
      "payment": {
       "type": "object",
       "properties": {
        "charged": {
         "type": "boolean"
        },
        "network": {
         "type": "string"
        },
        "amountUsd": {
         "type": "string"
        },
        "transaction": {
         "type": [
          "string",
          "null"
         ]
        }
       }
      },
      "freeTier": {
       "type": "object"
      },
      "_moneytools": {
       "type": "object",
       "description": "optional plan / partner hints"
      }
     },
     "description": "Tool-specific JSON result (see llms.txt / openapi.json). Always includes payment info.",
     "additionalProperties": true
    }
   }
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "json"
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/moneytools-apr-apy-converter-earnings-projector-240cad00/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from tools.moneytools.dev](https://www.zero.xyz/host/tools.moneytools.dev/llms.txt)