{"uid":"cap_daw1CvANmc08uyWXLqaKd","slug":"finance-calculators-npv-irr-a41ef659","name":"Finance Calculators – NPV & IRR","description":"Net present value and internal rate of return (IRR) for a list of cash flows, with a clear accept/reject-at-rate verdict.","url":"https://finance-calculators.x402tookit.com/npv-irr?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":{"enum":["GET"],"type":"string"},"queryParams":{"type":"object","required":["flows"],"properties":{"flows":{"type":"string","description":"Comma-separated cash flows, first is period 0 (usually negative), up to 60"},"discount_rate_pct":{"type":"number","description":"Discount rate in percent, default 10"}}}},"additionalProperties":false},"output":{"type":"object","required":["type"],"properties":{"type":{"type":"string"},"example":{"type":"object","properties":{"npv":{"type":["null","number"]},"asOf":{"type":["null","string"]},"irrPct":{"type":["null","number"]},"source":{"type":["null","string"]},"periods":{"type":["null","number"]},"reasons":{"type":["array","null"],"items":{"type":"string"}},"summary":{"type":["null","string"]},"verdict":{"type":["null","string"]},"degraded":{"type":["boolean","null"]},"disclaimer":{"type":["null","string"]},"notChecked":{"type":["array","null"],"items":{"type":"string"}},"signChanges":{"type":["null","number"]},"paybackPeriod":{"type":["null","number"]},"discountRatePct":{"type":["null","number"]}}}}}}},"responseSchema":null,"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.02","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":"$0.02/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.02","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.02","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_yG3jypFFpBzO_MPNTx07w","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.02","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Calculates net present value (NPV) and internal rate of return (IRR) for a series of cash flows, and returns an accept/reject verdict at the given discount rate.","exampleAgentPrompt":"Can you calculate the NPV and IRR for a project with cash flows of -50000, 15000, 18000, 22000, 25000 using a 9% discount rate, and tell me whether I should accept or reject it?","exampleUseCases":[{"title":"Capital project accept/reject decision","prompt":"I'm evaluating a factory upgrade that costs $200,000 upfront and is expected to return $60,000, $70,000, $75,000, and $80,000 over the next four years. Using a 12% discount rate, should we accept or reject this project?"},{"title":"Startup investment IRR check","prompt":"A startup pitch shows cash flows of -100000, 20000, 35000, 50000, 60000, and 70000 over five years. What's the IRR, and does the NPV look positive at a 10% discount rate?"},{"title":"Real estate rental cash flow analysis","prompt":"I'm looking at a rental property with an initial outlay of -180000 and annual net cash flows of 22000 for each of the next seven years. Can you compute the NPV at 8% and tell me the internal rate of return and payback period?"}],"resultDescription":"Returns NPV (numeric), IRR as a percentage, number of periods, payback period, number of sign changes in the cash flow series, a verdict string (accept or reject at the given rate), a plain-English summary, and optional disclaimer or degraded-mode flags.","failureModes":["Missing required 'flows' parameter returns an error","Too many cash flow periods (over 60) may be rejected","Non-numeric values in the flows string cause parse errors","Cash flows with no sign change may yield no valid IRR (irrPct returned as null)","Unusual cash flow patterns (multiple sign changes) may produce multiple IRRs or unreliable IRR; service may flag this via signChanges field"],"whenToPreferThis":"Use this endpoint when you need a quick, paid-API-quality NPV and IRR computation with a built-in accept/reject verdict rather than implementing the math yourself. It is especially useful for AI agents performing investment screening, capital budgeting, or financial planning tasks where a clear recommendation at a stated discount rate is needed alongside the raw numbers.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-10-29T13:11:18.233Z","isFirstParty":false,"canonicalSlug":"finance-calculators-npv-irr-a41ef659"}