{"uid":"cap_890PDMhWhcRZET3GZ3Ayf","slug":"agent402-tools-savings-goal-monthly-contribution-calculator-8ff82170","name":"agent402.tools Savings Goal Monthly Contribution Calculator","description":"Bundled execution of the Savings goal workflow - How much do I need to save each month to hit $X in N years? Pin down the required contribution with a clever PV-discount trick: discount the target back to today, then call loan-payment with the dis...","url":"https://agent402.tools/api/skill/savings-goal","method":"POST","headers":{},"bodySchema":{"type":"object","properties":{"goal":{"type":"string","description":"What you're saving for, with the target amount and time horizon (e.g. \"save $1,000,000 for retirement in 30 years\")"},"expectedReturn":{"type":"string","description":"Expected annual return as a decimal (default 0.07 = 7% for long-horizon equity; use 0.04 for bond-heavy or short-horizon goals)"}}},"responseSchema":{"type":"json","example":{"args":{"goal":"save $1,000,000 for retirement in 30 years","expectedReturn":"0.07"},"pack":"savings-goal","steps":[{"ok":true,"slug":"compound-interest","result":{}},{"ok":true,"slug":"loan-payment","result":{}},{"ok":true,"slug":"npv","result":{}},{"ok":true,"slug":"irr","result":{}}],"summary":"4/4 steps succeeded"}},"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.05","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":"$0.05/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.05","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.05","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_5JUXGLnvgtHkmDQKrJ2iS","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.05","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Calculates the required monthly savings contribution to reach a financial goal amount within a given time horizon using a PV-discount and loan-payment approach","exampleAgentPrompt":"How much do I need to save each month to hit $1,000,000 for retirement in 30 years, assuming a 7% annual return?","exampleUseCases":null,"resultDescription":"Returns the required monthly savings contribution needed to reach the specified financial goal, computed by discounting the target back to present value and then applying a loan-payment formula. Includes the calculated monthly amount and supporting figures.","failureModes":["Missing or unparseable goal string causes a 400 bad request","Negative or zero time horizon results in computation error","Implausible expected return values (e.g. >1.0 or negative) may cause errors or nonsensical results","Payment failure (insufficient USDC balance) results in 402 error blocking execution","Ambiguous goal description without a clear dollar amount may produce incorrect parsing"],"whenToPreferThis":"Choose this endpoint when you need a quick, single-call computation of monthly savings contributions required to meet a named financial goal. It is especially useful when you want a combined workflow that handles the PV-discount trick and loan-payment formula in one bundled call rather than chaining multiple arithmetic endpoints. Best for personal finance assistants, retirement planning tools, or savings advisor agents.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-09-14T07:08:38.005Z","isFirstParty":false}