# OpenVerbs Finance NPV Calculator

> OpenVerbs Finance NPV Calculator is a paid API for AI agents from finance.openverbs.com, paid per call via x402, $0.004/call, status unknown (last checked 2026-09-14).

Computes the net present value (NPV) of a series of cash flows discounted at a specified per-period rate, with cash flow at index 0 treated as the time-0 outlay.

## Facts

- Endpoint: POST https://finance.openverbs.com/v1/npv
- Price: $0.004/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-14
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/openverbs-finance-npv-calculator-5f724afd
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_QXynLNCt-MKlB-2HfGj-Q

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 openverbs-finance-npv-calculator-5f724afd -d '<json body>'
```

Example prompt: Calculate the NPV of a project that costs $50,000 upfront and returns $15,000, $20,000, $18,000, and $12,000 over the next four years, using a discount rate of 8% per period.

## When to prefer this

Use this endpoint when you need a precise, API-driven NPV calculation for capital budgeting, investment appraisal, or any discounted cash flow analysis — especially in automated agent workflows where reproducibility and programmatic access matter. Prefer it over spreadsheet formulas or manual calculations when integrating into agentic pipelines, financial modeling tools, or decision-support systems.

## Known failure modes

- Invalid ratePercent outside -99 to 1000 range returns a validation error
- Empty or missing cashflows array causes a required field error
- cashflows array exceeding 10,000 items is rejected
- Non-numeric values in cashflows array trigger a type validation error
- Payment failure (x402) if USDC balance is insufficient

## How this service works

Net present value of a series of cash flows discounted at a per-period rate. cashflows[0] is the time-0 flow (typically the initial outlay, negative).

## Output

Returns the computed net present value as a single numeric figure, representing the sum of all discounted cash flows including the time-0 outlay. A positive NPV indicates the investment adds value; negative NPV indicates a loss relative to the discount rate.

## 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",
    "bodyType",
    "body"
   ],
   "properties": {
    "body": {
     "type": "object",
     "required": [
      "ratePercent",
      "cashflows"
     ],
     "properties": {
      "cashflows": {
       "type": "array",
       "items": {
        "type": "number"
       },
       "maxItems": 10000,
       "minItems": 1,
       "description": "Cash flows by period; index 0 is time 0."
      },
      "ratePercent": {
       "type": "number",
       "maximum": 1000,
       "minimum": -99,
       "description": "Discount rate per period, as a percentage."
      }
     },
     "additionalProperties": false
    },
    "type": {
     "type": "string",
     "const": "http"
    },
    "method": {
     "enum": [
      "POST"
     ],
     "type": "string"
    },
    "bodyType": {
     "enum": [
      "json",
      "form-data",
      "text"
     ],
     "type": "string"
    }
   },
   "additionalProperties": false
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/openverbs-finance-npv-calculator-5f724afd/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from finance.openverbs.com](https://www.zero.xyz/host/finance.openverbs.com/llms.txt)