{"uid":"cap_xgRe2u8640ejvHLyPj_xI","slug":"finmath-present-value-of-annuity-0e86a26c","name":"finmath Present Value of Annuity","description":"Deterministic finance and crypto math for AI agents: TradFi (NPV, IRR, XIRR, Black-Scholes + Greeks, bonds, VaR, Sharpe) and DeFi (impermanent loss, perp liquidation, funding, Uniswap v3, health factor, cost basis). Exact, model-free arithmetic that LLMs get wrong — priced per call in USDC.","url":"https://finmath.qzqh5rrbkz.workers.dev/v1/pv_annuity","method":"POST","headers":{},"bodySchema":{"type":"object","required":["payment","n_periods","rate_per_period"],"properties":{"due":{"type":"boolean","description":"due"},"payment":{"type":"number","description":"payment"},"n_periods":{"type":"number","description":"n_periods"},"rate_per_period":{"type":"number","description":"rate_per_period"}}},"responseSchema":{"type":"object","required":["result","meta"],"properties":{"meta":{"type":"object"},"result":{}}},"example":{"request":{"due":false,"payment":1200,"n_periods":60,"rate_per_period":0.004},"response":{"meta":{"tool":"pv_annuity","disclaimer":"Deterministic calculation utility. Not financial, investment, or trading advice.","deterministic":true},"result":63898.641384024966}},"exampleRequest":{"due":false,"payment":1200,"n_periods":60,"rate_per_period":0.004},"tags":["x402"],"displayCostAmount":"0.001","displayCostAsset":"USDC","priceDynamic":false,"priceHint":null,"priceStatus":"priced","priceSource":"settled","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_mVxo1CPZUwCpkP1Eo4gYo","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":"Computes the present value (PV) of an ordinary or due annuity given a fixed periodic payment, number of periods, and interest rate per period.","exampleAgentPrompt":"What's the present value of an annuity that pays $1,200 per month for 60 months at a monthly interest rate of 0.4%? It's an ordinary annuity (payments at end of period).","exampleUseCases":null,"resultDescription":"Returns a JSON object with a 'result' field containing the computed present value of the annuity (a single numeric value), and a 'meta' field with supporting metadata about the calculation.","failureModes":["Missing required fields (payment, n_periods, rate_per_period) returns a 4xx validation error","Zero or negative rate_per_period may produce mathematically degenerate results","Non-positive n_periods returns an error or zero","Payment request without USDC authorization returns HTTP 402 Payment Required","Very large n_periods or extreme rates may cause floating-point edge cases"],"whenToPreferThis":"Use this endpoint when you need exact, deterministic annuity present value calculations — especially in agentic workflows where LLM arithmetic is unreliable. Ideal for loan valuation, lease pricing, pension lump-sum equivalence, or bond coupon discounting when you already know the periodic payment, number of periods, and rate per period.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-09-15T12:41:59.604Z","isFirstParty":false}