{"uid":"cap_4r6pxiHwjS6Mmwz0Tlv41","slug":"annuity-present-future-value-calculator-6ad8d1aa","name":"Annuity Present & Future Value Calculator","description":"Present and future value of a level annuity (equal periodic payments). Supports an ordinary annuity (payments at period end) and an annuity-due (payments at period start).","url":"https://agent402.tools/api/annuity","method":"POST","headers":{},"bodySchema":{"type":"object","properties":{"type":{"type":"string","description":"\"ordinary\" (end) or \"due\" (start). Default ordinary."},"payment":{"type":"number","description":"Payment per period (PMT)"},"periods":{"type":"number","description":"Number of payments (positive integer)"},"ratePerPeriod":{"type":"number","description":"Interest rate per period as decimal"}}},"responseSchema":{"type":"json","example":{"type":"ordinary","futureValue":1257.79,"presentValue":772.17}},"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.001","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":"$0.001/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.001","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.001","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_hzH4rXIYdqXH5O0MfhOan","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.001","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Calculates the present value and future value of a level annuity (ordinary or annuity-due) given a periodic payment, number of periods, and interest rate per period.","exampleAgentPrompt":"What's the present value and future value of an ordinary annuity paying $500 per month for 60 periods at a rate of 0.5% per period?","exampleUseCases":null,"resultDescription":"Returns the present value (PV) and future value (FV) of the specified level annuity, computed using standard time-value-of-money formulas for either an ordinary annuity (payments at end of period) or an annuity-due (payments at start of period).","failureModes":["Missing required fields (payment, periods, ratePerPeriod) return a 400 error","Non-positive or non-integer periods value causes a validation error","Invalid annuity type string (not 'ordinary' or 'due') may default to ordinary or return an error","Negative interest rate may produce unexpected or undefined results","Payment of zero returns trivial zero values"],"whenToPreferThis":"Use this endpoint when you need a fast, inexpensive computation of annuity present or future value given fixed periodic payments — especially when you want to distinguish between ordinary annuity and annuity-due structures. Prefer this over manual calculation or general-purpose math tools when the x402 micropayment model is already in use.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-09-15T01:01:03.477Z","isFirstParty":false}