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Present Value Calculator (finance.openverbs.com)
x402
Present Value Calculator (finance.openverbs.com) is a paid API for AI agents from finance.openverbs.com, paid per call via x402, $0.004/call, status unknown (last checked 2026-10-28).
Computes the present value of a future lump sum and/or a level annuity given a per-period discount rate and number of periods, with support for annuity-due timing.
Price / call$0.004
Success—
StatusUnknown
How this service works
Present value of a future sum and/or a level annuity, given a per-period rate and number of periods. Set dueAtBeginning=true for an annuity-due.
Output
Returns the present value (a single monetary figure) representing the discounted worth today of the specified future lump sum, annuity stream, or combination of both, given the provided per-period discount rate and number of periods.
Example use cases
Valuing a future insurance payout
“What is the present value today of a $100,000 insurance settlement I'll receive in 8 years, assuming a 7% annual discount rate?”
Pricing a fixed annuity stream
“I have an annuity that pays $1,200 per month for 15 years. If the monthly discount rate is 0.5%, what is it worth right now in present value terms?”
Annuity-due for lease valuation
“Calculate the present value of a lease with payments of $3,000 per quarter for 20 quarters at a 2% quarterly rate, where payments are made at the beginning of each quarter.”
Technical details
Endpoint
POSThttps://finance.openverbs.com/v1/present-value?utm_source=zero.xyzWhen to prefer
Use this endpoint when you need to discount a future lump sum, a level periodic payment stream, or both back to a present value, particularly when the payment timing (ordinary annuity vs annuity-due) matters. Prefer this over NPV endpoints when cash flows are uniform (level annuity) and you don't need to handle irregular cash flow series.
Side effects
- Missing required fields (ratePercent or periods) returns a validation error
- ratePercent outside allowed range [-99, 1000] returns a 400-level error
- periods exceeding 100,000 returns a 400-level error
- Payment gateway failure or insufficient USDC balance returns a 402 Payment Required
- Non-numeric inputs for numeric fields return a schema validation error
Input
Schema · Request body
| Field | Type | Description |
|---|---|---|
| payment | number | Level payment per period (annuity). Default 0. |
| periods | integer | Number of periods. |
| futureValue | number | Future lump sum. Default 0. |
| ratePercent | number | Discount rate per period, as a percentage. |
| dueAtBeginning | boolean | Annuity-due (payments at period start). Default false. |
Tags
x402
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