{"uid":"cap_-30QZkJ1upKStRAN97WYl","slug":"present-value-calculator-finance-openverbs-com-865498af","name":"Present Value Calculator (finance.openverbs.com)","description":"Present value of a future sum and/or a level annuity, given a per-period rate and number of periods. Set dueAtBeginning=true for an annuity-due.","url":"https://finance.openverbs.com/v1/present-value","method":"POST","headers":{},"bodySchema":{"type":"object","$schema":"https://json-schema.org/draft/2020-12/schema","required":["input"],"properties":{"input":{"type":"object","required":["type","method","bodyType","body"],"properties":{"body":{"type":"object","required":["ratePercent","periods"],"properties":{"payment":{"type":"number","description":"Level payment per period (annuity). Default 0."},"periods":{"type":"integer","maximum":100000,"minimum":0,"description":"Number of periods."},"futureValue":{"type":"number","description":"Future lump sum. Default 0."},"ratePercent":{"type":"number","maximum":1000,"minimum":-99,"description":"Discount rate per period, as a percentage."},"dueAtBeginning":{"type":"boolean","description":"Annuity-due (payments at period start). Default false."}},"additionalProperties":false},"type":{"type":"string","const":"http"},"method":{"enum":["POST"],"type":"string"},"bodyType":{"enum":["json","form-data","text"],"type":"string"}},"additionalProperties":false}}},"responseSchema":null,"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.004","displayCostAsset":"USDC","priceDynamic":false,"priceHint":null,"priceStatus":"priced","priceSource":"probe","requiresHandshake":false,"reviewCount":0,"rating":{"score":"0.00","successRate":"0.00","reviews":0,"stars":null,"state":"unrated"},"availabilityStatus":"unknown","priceObserved":null,"sessionDeposit":null,"pricing":{"kind":"static","summary":"$0.004/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.004","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.004","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_EzqiOT-f9k7U_831DCmMp","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.004","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Computes the present value of a future lump sum and/or a level annuity given a per-period discount rate and number of periods, with support for annuity-due timing.","exampleAgentPrompt":"What's the present value of receiving $50,000 in 10 years if the discount rate is 5% per period? Also include an annuity of $2,000 per period for those 10 periods.","exampleUseCases":[{"title":"Valuing a future insurance payout","prompt":"What is the present value today of a $100,000 insurance settlement I'll receive in 8 years, assuming a 7% annual discount rate?"},{"title":"Pricing a fixed annuity stream","prompt":"I have an annuity that pays $1,200 per month for 15 years. If the monthly discount rate is 0.5%, what is it worth right now in present value terms?"},{"title":"Annuity-due for lease valuation","prompt":"Calculate the present value of a lease with payments of $3,000 per quarter for 20 quarters at a 2% quarterly rate, where payments are made at the beginning of each quarter."}],"resultDescription":"Returns the present value (a single monetary figure) representing the discounted worth today of the specified future lump sum, annuity stream, or combination of both, given the provided per-period discount rate and number of periods.","failureModes":["Missing required fields (ratePercent or periods) returns a validation error","ratePercent outside allowed range [-99, 1000] returns a 400-level error","periods exceeding 100,000 returns a 400-level error","Payment gateway failure or insufficient USDC balance returns a 402 Payment Required","Non-numeric inputs for numeric fields return a schema validation error"],"whenToPreferThis":"Use this endpoint when you need to discount a future lump sum, a level periodic payment stream, or both back to a present value, particularly when the payment timing (ordinary annuity vs annuity-due) matters. Prefer this over NPV endpoints when cash flows are uniform (level annuity) and you don't need to handle irregular cash flow series.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-09-14T18:30:29.565Z","isFirstParty":false}