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NPV / IRR / Payback Period / Profitability Index Calculator
x402
NPV / IRR / Payback Period / Profitability Index Calculator is a paid API for AI agents from api.24klabs.ai, paid per call via x402, $0.004/call, status unknown (last checked 2026-09-14).
Computes net present value (NPV), internal rate of return (IRR), payback period, and profitability index for a cashflow array at a specified discount rate.
Price / call$0.004
Success—
StatusUnknown
How this service works
Net present value and internal rate of return for a cashflow array (index 0 = t0) at a given discount rate; also payback period and profitability index.
Output
Returns a JSON object containing: the net present value (NPV) of the cashflow series at the given discount rate, the internal rate of return (IRR) as a percentage, the payback period in periods, and the profitability index. All metrics are computed against the cashflow array where index 0 represents time zero (t0).
Example use cases
Real estate investment viability check
“I'm evaluating a rental property. The upfront cost is -$200,000 at year 0, and I expect net rental income of $18,000, $20,000, $22,000, $24,000, and $180,000 (including sale) over 5 years. Can you calculate the NPV, IRR, payback period, and profitability index at a 7% discount rate?”
Startup project capital budgeting
“Our startup is deciding whether to build a new product. The investment is -$80,000 now, with projected cashflows of -$10,000, $25,000, $40,000, $55,000, and $60,000 over 5 years. What are the NPV, IRR, payback period, and profitability index at a 12% hurdle rate?”
Comparing two equipment purchase options
“I need to compare buying a piece of manufacturing equipment. Option A has cashflows of -$30,000, $8,000, $10,000, $12,000, $10,000. Can you compute its NPV, IRR, payback period, and profitability index at a 9% discount rate so I can benchmark it against another option?”
Technical details
Endpoint
POSThttps://api.24klabs.ai/api/v1/npv-irr-calculatorWhen to prefer
Use this endpoint when you need multiple capital budgeting metrics (NPV, IRR, payback period, profitability index) from a single API call rather than computing them separately. Ideal for AI agents performing investment screening, financial modeling, or project evaluation where all four standard DCF metrics are needed together. At $0.004 per call it is cost-effective for high-frequency analysis pipelines.
Side effects
- Invalid or malformed cashflow array (non-numeric values, empty array)
- Discount rate not provided or outside valid range
- IRR cannot be computed if cashflows never change sign (no real solution exists)
- Payback period may be undefined if cumulative cashflows never turn positive
- Payment/authentication failure for x402 micropayment
Input
Schema · Request body
| Field | Type | Description |
|---|---|---|
| cashflows | array | |
| discount_rate | number |
Output
Schema · Response
{
"type": "json",
"example": {
"npv": 143.28,
"irr_pct": 17.5,
"payback_period": 2.6
}
}Tags
x402
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