# Saylor Innovations XIRR Calculator

> Saylor Innovations XIRR Calculator is a paid API for AI agents from saylorinnovations.com, paid per call via x402, $0.01/call, status unknown (last checked 2026-10-17).

Calculates the annualized internal rate of return (XIRR) and net cash flow for a series of irregularly dated cash flows

## Facts

- Endpoint: GET https://saylorinnovations.com/api/finance/xirr?utm_source=zero.xyz
- Price: $0.01/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-17
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/saylor-innovations-xirr-calculator-6bacaf9b
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_CUjnYekDxoz0aVi4kB-h6

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 saylor-innovations-xirr-calculator-6bacaf9b
```

Example prompt: Can you calculate the XIRR for these cash flows: I invested $10,000 on 2023-01-15, received $2,500 on 2023-08-01, $3,000 on 2024-02-15, and $7,000 on 2024-11-30?

## When to prefer this

Use this endpoint when you need to calculate the annualized return (XIRR) for cash flows that occur on irregular, non-periodic dates — a scenario not handled by simple IRR or APY formulas. It is ideal for evaluating real estate deals, private investments, dividend portfolios, or any series of payments and receipts with arbitrary dates. Prefer this over spreadsheet-based XIRR when you need a programmatic, API-accessible computation that also returns net cash flow and NPV at the XIRR rate in a single call.

## Known failure modes

- Invalid or malformed JSON in the cashflows query parameter — returns error
- Cash flows that do not converge to an XIRR solution (e.g., all positive or all negative amounts) — may return a convergence failure or null XIRR
- Missing required cashflows query parameter — returns validation error
- Fewer than two cash flows provided — insufficient data for XIRR computation
- Dates in wrong format or out of chronological order — may cause calculation errors

## How this service works

XIRR calculator for irregular dated cash flows - annualized return and net cash flow

## Output

Returns a JSON object containing the XIRR as both a percentage and decimal, the net cash flow, NPV at the XIRR rate, day span between first and last cash flow dates, number of cash flows, first and last dates, the formula used, a convergence status indicator, and a scope note explaining what the calculation covers and excludes.

## 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"
   ],
   "properties": {
    "type": {
     "type": "string",
     "const": "http"
    },
    "method": {
     "enum": [
      "GET"
     ],
     "type": "string"
    },
    "queryParams": {
     "type": "object",
     "required": [
      "cashflows"
     ],
     "properties": {
      "cashflows": {
       "type": "string",
       "description": "required URL-encoded JSON array such as [{\"amount\":-1000,\"date\":\"2025-01-01\"},{\"amount\":1100,\"date\":\"2026-03-01\"}] (query)"
      }
     }
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string",
     "const": "json"
    },
    "example": {
     "type": "object",
     "required": [
      "found",
      "cashflow_count",
      "first_date",
      "last_date",
      "xirr_percent",
      "formula",
      "scope_note"
     ],
     "properties": {
      "found": {
       "type": "boolean",
       "description": "True when the lookup matched a record"
      },
      "formula": {
       "type": "string",
       "description": "Formula used for the calculation"
      },
      "day_span": {
       "type": "number",
       "description": "Day span"
      },
      "last_date": {
       "type": "string",
       "description": "Last date"
      },
      "first_date": {
       "type": "string",
       "description": "First date"
      },
      "scope_note": {
       "type": "string",
       "description": "What this data covers and what it leaves out"
      },
      "convergence": {
       "type": "string"
      },
      "npv_at_xirr": {
       "type": "number",
       "description": "Npv at xirr"
      },
      "net_cashflow": {
       "type": "number",
       "description": "Net cashflow"
      },
      "xirr_decimal": {
       "type": "number",
       "description": "Xirr decimal"
      },
      "xirr_percent": {
       "type": "number",
       "description": "Xirr, as a percentage"
      },
      "cashflow_count": {
       "type": "number",
       "description": "Number of cashflow"
      }
     }
    }
   }
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/saylor-innovations-xirr-calculator-6bacaf9b/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from saylorinnovations.com](https://www.zero.xyz/host/saylorinnovations.com/llms.txt)