Vextorium Savings & Investment Plan Calculator

x402

Vextorium Savings & Investment Plan Calculator is a paid API for AI agents from api.vextorium.com, paid per call via x402, $0.003/call, status unknown (last checked 2026-10-16).

Calculates the future value, total contributions, interest earned, inflation-adjusted value, yearly growth evolution, and monthly contribution needed to reach a savings or investment goal.

Price / call$0.003

Seller volume →—

Success—

StatusUnknown

How this service works

Savings or investment plan with monthly contributions and compound interest: final value, total contributed, interest earned, value in today's money after inflation, yearly evolution and the monthly amount needed to reach a goal.

Output

Returns a JSON object with: final portfolio value, total amount contributed, total interest earned, inflation-adjusted final value in today's money, a year-by-year evolution array (year, total value, total contributed), a goal section showing the target amount and the monthly contribution required to reach it, and a disclaimer note about assumed constant returns.

Example use cases

Retirement savings projection

“I want to retire in 30 years. If I put in $300 a month with a starting balance of $5,000 and expect a 6% annual return, how much will I have, how much of that is interest, and what's it worth in today's dollars assuming 2.5% inflation?”

College fund goal planning

“I need $50,000 in 18 years for my kid's college fund. With a $150 monthly contribution and 5% annual return, will I hit my goal — and if not, what monthly amount do I actually need?”

Short-term investment simulation

“Show me the year-by-year growth of a 5-year savings plan where I contribute $500 a month, start with no initial capital, and earn 4% per year — including how much is interest versus what I put in.”

Technical details

Endpoint

POSThttps://api.vextorium.com/plan-ahorro-pago?utm_source=zero.xyz

When to prefer

Use this endpoint when you need a complete savings or investment plan simulation including compound interest, inflation adjustment, yearly evolution table, and goal-based monthly contribution calculation — all in a single call. Prefer it over generic financial calculators when you need the full breakdown (interest vs principal, real vs nominal value, year-by-year data) and optionally the reverse calculation of monthly savings needed for a target amount.

Side effects

Missing required fields (aportacion_mensual, anios, rentabilidad_anual_pct) returns a validation error
Negative or zero duration (anios) may produce invalid or zero results
Extremely high return rates may yield unrealistic projections without error
Inflation rate not provided defaults to no inflation adjustment

Input

Schema · Request body

Field	Type	Description
anios	number
objetivo	number
inflacion_pct	number
capital_inicial	number
aportacion_mensual	number
rentabilidad_anual_pct	number

Output

Schema · Response

{
  "type": "json",
  "example": {
    "nota": "Rentabilidad constante supuesta; los mercados reales varían. Sin impuestos ni comisiones.",
    "evolucion": [
      {
        "anio": 1,
        "valor": 3525.31,
        "aportado": 3400
      },
      {
        "anio": 2,
        "valor": 6202.13,
        "aportado": 5800
      },
      {
        "anio": 3,
        "valor": 9039.56,
        "aportado": 8200
      },
      {
        "anio": 4,
        "valor": 12047.24,
        "aportado": 10600
      },
      {
        "anio": 5,
        "valor": 15235.38,
        "aportado": 13000
      },
      {
        "anio": 6,
        "valor": 18614.81,
        "aportado": 15400
      },
      {
        "anio": 7,
        "valor": 22197.01,
        "aportado": 17800
      },
      {
        "anio": 8,
        "valor": 25994.13,
        "aportado": 20200
      },
      {
        "anio": 9,
        "valor": 30019.09,
        "aportado": 22600
      },
      {
        "anio": 10,
        "valor": 34285.54,
        "aportado": 25000
      },
      {
        "anio": 11,
        "valor": 38807.97,
        "aportado": 27400
      },
      {
        "anio": 12,
        "valor": 43601.76,
        "aportado": 29800
      },
      {
        "anio": 13,
        "valor": 48683.17,
        "aportado": 32200
      },
      {
        "anio": 14,
        "valor": 54069.47,
        "aportado": 34600
      },
      {
        "anio": 15,
        "valor": 59778.94,
        "aportado": 37000
      },
      {
        "anio": 16,
        "valor": 65830.98,
        "aportado": 39400
      },
      {
        "anio": 17,
        "valor": 72246.15,
        "aportado": 41800
      },
      {
        "anio": 18,
        "valor": 79046.22,
        "aportado": 44200
      },
      {
        "anio": 19,
        "valor": 86254.3,
        "aportado": 46600
      },
      {
        "anio": 20,
        "valor": 93894.86,
        "aportado": 49000
      }
    ],
    "intereses": 44894.86,
    "valor_final": 93894.86,
    "para_objetivo": {
      "objetivo": 100000,
      "aportacion_mensual_necesaria": 213.46
    },
    "total_aportado": 49000,
    "valor_final_en_dinero_de_hoy": 63188.55
  }
}

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