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Rule of 40 Calculator — SaaS Metrics Scorer
x402
Rule of 40 Calculator — SaaS Metrics Scorer is a paid API for AI agents from x402.agentutility.ai, paid per call via x402, $0.01/call, status unknown (last checked 2026-11-01).
Computes a SaaS Rule of 40 score and composite health grade from ARR, growth rate, gross margin, NRR, and optional efficiency metrics
Price / call$0.01
Success—
StatusUnknown
How this service works
817 pay-per-call APIs for AI agents. Every endpoint is POST /<name> and is payable in USDC over x402 on Base and Solana — no signup, no API key, just pay-per-call. GET https://x402.agentutility.ai/ returns the same catalog as machine-readable JSON.
Output
Returns a numeric Rule of 40 composite score (e.g. 74.2), a letter-style grade (e.g. 'strong'), a breakdown of weighted driver scores (rule_of_40, NRR, etc.) with individual notes, a metrics summary, any warnings, and a plain-English recommendation (e.g. 'Proceed with standard diligence and covenant checks.')
Example use cases
Pre-fundraise investor readiness check
“We're about to raise a Series A. Our ARR is $6M, growth rate is 45%, gross margin is 75%, NRR is 112%, and EBITDA margin is -15%. Can you run our Rule of 40 score and tell me if we're in strong shape for diligence?”
Portfolio company health monitoring
“For my portfolio company, calculate their SaaS health score: $12M ARR, 28% growth, 68% gross margin, 105% NRR, burn multiple of 1.8, and magic number of 0.7 — give me the grade and any warnings.”
Board deck metrics validation
“Before our board meeting, I want to know our Rule of 40 score — we're at $2.1M ARR, 60% growth rate, 80% gross margin, 125% net revenue retention, and a -5% EBITDA margin. What's our composite score and recommendation?”
Technical details
Endpoint
POSThttps://x402.agentutility.ai/rule-of-40-calculator?utm_source=zero.xyzWhen to prefer
Use this endpoint when you need a fast, deterministic, no-signup SaaS financial health score based on the Rule of 40 framework — ideal for VC diligence workflows, portfolio monitoring, or founder self-assessment. Prefer it over manual spreadsheet calculations or heavyweight financial modeling tools when you need a structured grade plus driver breakdown in a single API call. Because it uses a deterministic in-process calculator (no upstream API dependency), it is highly reliable and consistent.
Side effects
- Missing required fields (arr, growth_rate_pct, gross_margin_pct, net_revenue_retention_pct) returns a validation error
- Non-numeric values for numeric fields cause parsing failure
- Extreme or implausible values (e.g. 10000% growth) may produce warnings but still compute
- Payment failure via x402 returns a 402 response before computation begins
Input
Schema · Request body
| Field | Type | Description |
|---|---|---|
| inputrequired | object | |
| output | object |
Output
Schema · Response
{
"type": "json",
"example": {
"grade": "strong",
"score": 74.2,
"source": "deterministic in-process finance calculator; no upstream API",
"drivers": [
{
"name": "rule_of_40",
"note": "40 rule-of-40 score",
"score": 85,
"weight": 0.25
}
],
"metrics": {
"arr": 4800000,
"magic_number": 0.9,
"burn_multiple": 1.2,
"rule_of_40_pct": 40,
"net_revenue_retention_pct": 118
},
"warnings": [],
"calculator": "saas-metrics-score",
"recommendation": "Proceed with standard diligence and covenant checks."
}
}Tags
x402
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