# Present Value Calculator (finance.openverbs.com)

> 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 2026-09-14).

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.

## Facts

- Endpoint: POST https://finance.openverbs.com/v1/present-value
- 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/present-value-calculator-finance-openverbs-com-865498af
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_-30QZkJ1upKStRAN97WYl

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 present-value-calculator-finance-openverbs-com-865498af -d '<json body>'
```

Example prompt: What's the present value of receiving $50,000 in 10 years if the discount rate is 5% per period? Also include an annuity of $2,000 per period for those 10 periods.

## When to prefer this

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.

## Known failure modes

- 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

## 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.

## Request schema (JSON Schema)

```json
{
 "$schema": "https://json-schema.org/draft/2020-12/schema",
 "type": "object",
 "properties": {
  "input": {
   "type": "object",
   "properties": {
    "type": {
     "type": "string",
     "const": "http"
    },
    "method": {
     "type": "string",
     "enum": [
      "POST"
     ]
    },
    "bodyType": {
     "type": "string",
     "enum": [
      "json",
      "form-data",
      "text"
     ]
    },
    "body": {
     "type": "object",
     "properties": {
      "ratePercent": {
       "type": "number",
       "minimum": -99,
       "maximum": 1000,
       "description": "Discount rate per period, as a percentage."
      },
      "periods": {
       "type": "integer",
       "minimum": 0,
       "maximum": 100000,
       "description": "Number of periods."
      },
      "payment": {
       "type": "number",
       "description": "Level payment per period (annuity). Default 0."
      },
      "futureValue": {
       "type": "number",
       "description": "Future lump sum. Default 0."
      },
      "dueAtBeginning": {
       "type": "boolean",
       "description": "Annuity-due (payments at period start). Default false."
      }
     },
     "required": [
      "ratePercent",
      "periods"
     ],
     "additionalProperties": false
    }
   },
   "required": [
    "type",
    "method",
    "bodyType",
    "body"
   ],
   "additionalProperties": false
  }
 },
 "required": [
  "input"
 ]
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/present-value-calculator-finance-openverbs-com-865498af/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)