# XIRR & MOIC Compute API

> XIRR & MOIC Compute API is a paid API for AI agents from financial-analyst-api-production-b81a.up.railway.app, paid per call via x402, $0.25/call, status unknown (last checked 2026-10-29).

Computes XIRR (Extended Internal Rate of Return) and MOIC (Multiple on Invested Capital) from a series of irregular cash flows with exact dates

## Facts

- Endpoint: POST https://financial-analyst-api-production-b81a.up.railway.app/xirr/compute?utm_source=zero.xyz
- Price: $0.25/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-29
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/xirr-moic-compute-api-a1870ee5
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_DLXRtPj2hC-7VwxhBPN0F

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 xirr-moic-compute-api-a1870ee5 -d '<json body>'
```

Example prompt: Calculate the XIRR and MOIC on this investment: I put in $500,000 on 2021-03-15, received a distribution of $75,000 on 2022-06-01, another $100,000 on 2023-01-10, and then a final exit distribution of $900,000 on 2024-09-30.

## When to prefer this

Use this endpoint when you need to compute XIRR and/or MOIC from a set of irregular, dated cash flows — the standard approach in private equity, real estate syndications, and venture capital where capital calls and distributions occur on uneven schedules. Prefer this over simple IRR calculators when exact dates matter and cash flows are not periodic.

## Known failure modes

- Cash flows with no valid IRR solution (e.g. all positive or all negative values) return a computation error
- Malformed or missing dates cause a 400 validation error
- Cash flows that don't span enough time for convergence may return no solution
- Insufficient cash flow data points result in an error
- Payment failure or invalid USDC balance returns a 402 error

## How this service works

Compute XIRR and MOIC from irregular cash flows with exact dates. Standard for private equity, real estate, and venture return calculations.

## Output

Returns the XIRR as an annualized percentage rate and the MOIC as a multiple (e.g. 2.3x), computed from the provided series of dated cash flows — standard metrics used in private equity, real estate, and venture capital to evaluate investment performance.

## Example request

```json
{
 "cash_flows": [
  {
   "date": "2021-03-15",
   "amount": -500000
  },
  {
   "date": "2022-06-01",
   "amount": 75000
  },
  {
   "date": "2023-01-10",
   "amount": 100000
  },
  {
   "date": "2024-09-30",
   "amount": 900000
  }
 ]
}
```

## Request schema (JSON Schema)

```json
{
 "type": "object"
}
```

## Response schema (JSON Schema)

```json
{
 "type": "object",
 "required": [
  "moic",
  "xirr",
  "xirr_pct",
  "days_held",
  "cash_flows",
  "net_profit",
  "years_held",
  "npv_at_xirr",
  "total_invested",
  "total_returned"
 ],
 "properties": {
  "moic": {
   "type": "number"
  },
  "xirr": {
   "type": "number"
  },
  "xirr_pct": {
   "type": "string"
  },
  "days_held": {
   "type": "number"
  },
  "cash_flows": {
   "type": "array",
   "items": {
    "type": "object",
    "required": [
     "date",
     "amount",
     "day_offset"
    ],
    "properties": {
     "date": {
      "type": "string"
     },
     "amount": {
      "type": "number"
     },
     "day_offset": {
      "type": "number"
     }
    }
   }
  },
  "net_profit": {
   "type": "number"
  },
  "years_held": {
   "type": "number"
  },
  "npv_at_xirr": {
   "type": "number"
  },
  "total_invested": {
   "type": "number"
  },
  "total_returned": {
   "type": "number"
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/xirr-moic-compute-api-a1870ee5/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from financial-analyst-api-production-b81a.up.railway.app](https://www.zero.xyz/host/financial-analyst-api-production-b81a.up.railway.app/llms.txt)