{"uid":"cap_q_21shD4DMyyXqVLhfNmk","slug":"api-quantoracle-dev-9f765c0a","name":"QuantOracle Present Value (TVM)","description":"QuantOracle: tvm/present-value","url":"https://api.quantoracle.dev/v1/tvm/present-value","method":"POST","headers":{},"bodySchema":{"type":"object","properties":{"rate":{"type":"number","title":"Rate","description":"Discount rate per period","exclusiveMinimum":-1},"payment":{"type":"number","title":"Payment","default":0,"description":"Periodic payment amount (annuity)"},"periods":{"type":"integer","title":"Periods","maximum":1000,"minimum":1,"description":"Number of periods"},"future_value":{"type":"number","title":"Future Value","default":0,"description":"Future lump sum to discount"},"payment_timing":{"enum":["end","begin"],"type":"string","title":"Payment Timing","default":"end","description":"Payment at end or beginning of period"}}},"responseSchema":null,"example":{"request":{"rate":0.05,"payment":1000,"periods":10},"response":{"ms":11.17,"_meta":{"url":"https://quantoracle.dev","docs":"https://api.quantoracle.dev/docs","powered_by":"QuantOracle"},"present_value":7721.7349,"pv_of_annuity":7721.7349,"pv_of_lump_sum":0,"total_payments":10000,"discount_factor":0.613913}},"exampleRequest":{"rate":0.05,"payment":1000,"periods":10},"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_NdkT-b-wqU_zyL4aJ32h6","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":"Calculates the present value of an annuity or lump sum using time-value-of-money discounting, given a periodic payment, interest rate, number of periods, and payment timing.","exampleAgentPrompt":"What's the present value of an ordinary annuity that pays $1,000 at the end of each period for 10 periods at a 5% discount rate?","exampleUseCases":null,"resultDescription":"Returns a JSON object containing the present_value (total discounted value), pv_of_annuity (contribution from periodic payments), pv_of_lump_sum (contribution from any terminal lump sum), total_payments (undiscounted sum), discount_factor, and the computation latency in milliseconds.","failureModes":["Invalid rate (negative or non-numeric) returns a 400 error","Zero or negative periods returns a validation error","Unsupported payment_timing value (not 'beginning' or 'end') causes a 400","Missing required fields such as rate or periods returns a 422 unprocessable entity","Network timeout or service unavailability returns a 5xx error"],"whenToPreferThis":"Choose this endpoint when you need a fast, precise present-value computation for annuities or discounted cash flows and want a breakdown of PV components (annuity vs lump sum) along with the discount factor — especially in automated financial analysis pipelines that need sub-10ms results at low per-call cost.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-09-14T00:55:51.776Z","isFirstParty":false}