{"uid":"cap_A6KvePaE2VVSAIEyT43Nd","slug":"manylives-me-finance-calculator-5bb95b15","name":"manylives.me Finance Calculator","description":"Exact finance maths: loan repayment and total interest, compound growth with regular contributions, NPV and IRR of cash flows, and ROI with annualised return.","url":"https://manylives.me/paid/calc/finance?utm_source=zero.xyz","method":"GET","headers":{},"bodySchema":{"type":"object","$schema":"https://json-schema.org/draft/2020-12/schema","required":["input"],"properties":{"input":{"type":"object","required":["type","method"],"properties":{"type":{"type":"string","const":"http"},"method":{"type":"string","const":"GET"},"queryParams":{"type":"object","required":["op"],"properties":{"op":{"type":"string","examples":["loan"],"description":"loan, compound, npv, irr or roi (required)"},"cost":{"type":"string","description":"roi: amount invested"},"rate":{"type":"string","examples":["6"],"description":"annual rate in percent (loan, compound, npv)"},"flows":{"type":"string","description":"npv/irr: comma-separated cash flows, first is usually negative"},"value":{"type":"string","description":"roi: final value"},"years":{"type":"string","examples":["30"],"description":"loan/compound/roi: years"},"principal":{"type":"string","examples":["400000"],"description":"loan/compound: starting amount"},"contribution":{"type":"string","description":"compound: added each period"},"periods_per_year":{"type":"string","description":"compound: default 12"},"payments_per_year":{"type":"string","description":"loan: default 12"}}}}},"output":{"type":"object","required":["type"],"properties":{"type":{"type":"string","const":"json"},"example":{"type":"object","properties":{"op":{"type":"string"},"payment":{"type":"number"},"total_paid":{"type":"number"},"total_interest":{"type":"number"}}}}}}},"responseSchema":{"type":"json","example":{"op":"loan","payment":1798.65,"total_paid":647514,"total_interest":247514}},"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.002","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":"$0.002/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.002","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.002","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_DTrtIKR8cMqxbrH6DnFId","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.002","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Performs exact financial math for loan repayment, compound growth, NPV, IRR, and ROI calculations.","exampleAgentPrompt":"Can you calculate the monthly payment, total amount paid, and total interest on a $400,000 mortgage at 6% annual interest over 30 years?","exampleUseCases":[{"title":"Mortgage affordability check","prompt":"I'm looking at a $350,000 home loan at 5.5% interest over 25 years — what would my monthly payment be and how much total interest would I pay?"},{"title":"Retirement savings projection","prompt":"If I invest $50,000 now and add $500 every month at a 7% annual rate compounded monthly, how much will I have after 30 years?"},{"title":"Investment IRR evaluation","prompt":"I have a project that costs $100,000 upfront and returns $30,000, $40,000, $35,000, and $25,000 over the next four years — what's the IRR so I can compare it against my hurdle rate?"}],"resultDescription":"Returns a JSON object with the operation type and the computed financial metrics. For loans: monthly payment, total paid, and total interest. For compound growth: future value. For NPV: net present value. For IRR: internal rate of return as a percentage. For ROI: return on investment percentage and annualised return.","failureModes":["Missing required 'op' query parameter returns an error","Invalid or non-numeric values for rate, principal, or years cause calculation failure","IRR calculation may fail to converge if cash flow sign patterns are ambiguous","Negative principal or rate values may produce nonsensical results","Malformed comma-separated flows string for NPV/IRR causes a parse error"],"whenToPreferThis":"Use this endpoint when you need precise, deterministic financial math without relying on an LLM's arithmetic. Ideal for mortgage calculators, investment return projections, capital budgeting decisions (NPV/IRR), and ROI analysis. Prefer this over general-purpose code execution when you want a lightweight, instant, paid-per-call financial computation with no setup.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-10-13T00:30:04.879Z","isFirstParty":false,"canonicalSlug":"manylives-me-finance-calculator-5bb95b15"}