# Vextorium Savings & Investment Plan Calculator

> 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.

## Facts

- Endpoint: POST https://api.vextorium.com/plan-ahorro-pago?utm_source=zero.xyz
- Price: $0.003/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-16
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/vextorium-savings-investment-plan-calculator-689522be
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_i_xexVA6WffsyNs6T6T6R

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 vextorium-savings-investment-plan-calculator-689522be -d '<json body>'
```

Example prompt: If I invest $200 per month for 20 years with a 7% annual return, an initial capital of $1,000, and 3% inflation, how much will I end up with — and what would that be worth in today's money? Also, what monthly amount would I need to reach a $100,000 goal?

## When to prefer this

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.

## Known failure modes

- 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

## 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.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "properties": {
  "anios": {
   "type": "number"
  },
  "objetivo": {
   "type": "number"
  },
  "inflacion_pct": {
   "type": "number"
  },
  "capital_inicial": {
   "type": "number"
  },
  "aportacion_mensual": {
   "type": "number"
  },
  "rentabilidad_anual_pct": {
   "type": "number"
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "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
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/vextorium-savings-investment-plan-calculator-689522be/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from api.vextorium.com](https://www.zero.xyz/host/api.vextorium.com/llms.txt)