# x402toll NPV-IRR Calculator

> x402toll NPV-IRR Calculator is a paid API for AI agents from x402toll.com, paid per call via x402, $0.05/call, status unknown (last checked 2026-09-15).

Computes net present value (NPV), internal rate of return (IRR), profitability index, and accept/reject decision for a series of cash flows at a given discount rate.

## Facts

- Endpoint: POST https://x402toll.com/v1/investing/npv-irr
- Price: $0.05/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-15
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/x402toll-npv-irr-calculator-ab450a65
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_PdsiMxrPvze90lw0Zegj0

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 x402toll-npv-irr-calculator-ab450a65 -d '<json body>'
```

Example prompt: Can you calculate the NPV and IRR for this project — the cash flows are -50000 today, then 15000, 18000, 22000, and 20000 over the next four years — using a 10% discount rate, and tell me whether we should accept it?

## When to prefer this

Use this endpoint when you need a complete capital budgeting analysis — NPV, IRR, profitability index, and a clear accept/reject call — in a single API call. Prefer it over generic calculators when you need the profitability index and a structured go/no-go decision alongside the standard DCF metrics. Ideal for evaluating real estate investments, business projects, or any multi-period cash flow scenario where you have a known discount/hurdle rate.

## Known failure modes

- Fewer than 2 cash flows provided — schema requires minItems: 2
- More than 600 cash flows provided — schema enforces maxItems: 600
- IRR cannot be computed if cash flows never change sign (no internal rate exists), resulting in a null or error for IRR
- Non-numeric values in the cashFlows array cause a validation error
- Missing or malformed request body returns a 400-level error
- Payment not included or insufficient USDC causes x402 payment-required response

## How this service works

Net present value and internal rate of return for a cash-flow series (index 0 = today, usually a negative outlay), plus the profitability index and an accept/reject call.

## Output

Returns the net present value (NPV) in currency units, the internal rate of return (IRR) as a percentage, the profitability index (PI), and an accept/reject recommendation based on whether NPV is positive and IRR exceeds the discount rate.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "properties": {
  "cashFlows": {
   "type": "array",
   "items": {
    "type": "number"
   },
   "maxItems": 600,
   "minItems": 2
  },
  "discountRatePct": {
   "type": "number",
   "default": 10
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/x402toll-npv-irr-calculator-ab450a65/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from x402toll.com](https://www.zero.xyz/host/x402toll.com/llms.txt)