{"uid":"cap_hM-MgTwrLGKnqrVTutqSM","slug":"moneytools-apr-apy-converter-earnings-projector-240cad00","name":"MoneyTools APR ↔ APY Converter & Earnings Projector","description":"APR ↔ APY & compounding: Convert APR to APY (or back) for any compounding frequency, project earnings over N days with optional performance fee, doubling time. Free tier 10/day; then $0.001 via x402 (HTTP 402 + PAYMENT-REQUIRED) or X-API-Key credits. Not charged on failure. $0.001 USDC per call via x402 on Base. Run by MoneyTools.","url":"https://tools.moneytools.dev/v1/apy?utm_source=zero.xyz","method":"GET","headers":{},"bodySchema":{"type":"object","$schema":"https://json-schema.org/draft/2020-12/schema","required":["input"],"properties":{"input":{"type":"object","required":["type","method"],"properties":{"type":{"const":"http"},"method":{"const":"GET"},"queryParams":{"type":"object","required":[],"properties":{"apr":{"type":"number","examples":["12"],"description":"APR %"},"apy":{"type":"string","description":"APY % (instead of apr)"},"days":{"type":"number","examples":["365"],"description":"days"},"principal":{"type":"number","examples":["1000"],"description":"amount"},"feePercent":{"type":"number","examples":["0"],"description":"performance fee %"},"compounding":{"type":"string","examples":["daily"],"description":"daily|weekly|monthly|hourly|block or times/year"}}}}},"output":{"type":"object","required":["type"],"properties":{"type":{"type":"string","const":"json"},"example":{"type":"object","properties":{"payment":{"type":"object","properties":{"charged":{"type":"boolean"},"network":{"type":"string"},"amountUsd":{"type":"string"},"transaction":{"type":["string","null"]}}},"freeTier":{"type":"object"},"_moneytools":{"type":"object","description":"optional plan / partner hints"}},"description":"Tool-specific JSON result (see llms.txt / openapi.json). Always includes payment info.","additionalProperties":true}}}}},"responseSchema":{"type":"json"},"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_RZ1Y0IcHXj_z8px_dlCVt","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":"Converts APR to APY (or APY to APR) for any compounding frequency, projects earnings over N days with optional performance fee, and calculates doubling time","exampleAgentPrompt":"What's the APY on a 12% APR compounded daily, and how much would $5,000 earn over 365 days with no performance fee?","exampleUseCases":[{"title":"DeFi yield comparison for stakers","prompt":"I'm looking at a staking pool offering 18% APR compounded hourly — what's the actual APY, and how much would $20,000 earn in 180 days with a 10% performance fee?"},{"title":"Savings account effective rate check","prompt":"My bank advertises 5.25% APR compounded monthly — what's the real APY I'm earning each year?"},{"title":"Doubling time calculation for investor","prompt":"If I invest at 8% APR compounded daily, how long will it take to double my money?"}],"resultDescription":"Returns the converted APY or APR value, effective compounding periods per year, projected earnings on the principal over the specified days, doubling time in days/years, and payment metadata including whether the free tier was used or a $0.001 USDC charge was applied","failureModes":["Missing required apr or apy parameter returns an error","Invalid compounding frequency string returns a parse error","Negative or zero APR/APY values may return validation errors","Free tier exhausted (10/day) without payment credentials returns HTTP 402 with PAYMENT-REQUIRED","Network issues on Base blockchain may delay x402 payment processing"],"whenToPreferThis":"Use this endpoint when you need precise financial math for APR/APY conversion with configurable compounding frequency (daily, weekly, monthly, hourly, block, or custom periods per year), earnings projection over a custom time window, performance fee deduction, or doubling time — especially in DeFi, savings, or lending contexts where compounding period matters. It offers a free tier of 10 calls/day and micropayment pricing at $0.001 USDC via x402 on Base, making it cost-effective for occasional or high-volume agent use.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-11-05T12:43:20.503Z","isFirstParty":false,"canonicalSlug":"moneytools-apr-apy-converter-earnings-projector-240cad00"}