Finance

Financial math. op: "compound" (future value of principal at a rate) or "loan" (monthly payment + total for a loan).

Input

Field	Type	Description
op *	string	compound | loan
principal *	number
annualRatePct *	number
months	number
years	number
compoundsPerYear	number

Example output

{
  "monthlyPayment": 386.66,
  "totalPaid": 23199.36,
  "totalInterest": 3199.36
}

Try it — see the 402 challenge (free)

curl -i -X POST https://agent402.tools/api/finance \
  -H "Content-Type: application/json" \
  -d '{"op":"loan","principal":20000,"annualRatePct":6,"months":60}'

The response is HTTP 402 Payment Required with exact payment requirements. Any x402 v2 client pays automatically and retries:

Paid call (JavaScript agent)

import { wrapFetchWithPayment } from "@x402/fetch";
import { x402Client } from "@x402/core/client";
import { registerExactEvmScheme } from "@x402/evm/exact/client";
import { privateKeyToAccount } from "viem/accounts";

const client = new x402Client();
registerExactEvmScheme(client, { signer: privateKeyToAccount(KEY) });
const payFetch = wrapFetchWithPayment(fetch, client);

const res = await payFetch("https://agent402.tools/api/finance", {
  method: "POST",
  headers: { "Content-Type": "application/json" },
  body: JSON.stringify({
    "op": "loan",
    "principal": 20000,
    "annualRatePct": 6,
    "months": 60
  }),
});

No wallet? Pay with compute

This is a pure-CPU tool, so an agent without a wallet can pay with proof-of-work instead of USDC: fetch a challenge, solve it (16 leading zero bits), and resend with the X-Pow-Solution header.

import { createHash } from "node:crypto";
const lz = (b) => { let t = 0; for (const x of b) { if (!x) { t += 8; continue; } t += Math.clz32(x) - 24; break; } return t; };
const c = await (await fetch("https://agent402.tools/api/pow/challenge?slug=finance")).json();
let n = 0;
while (lz(createHash("sha256").update(c.challenge + ":" + n).digest()) < c.difficulty) n++;
await fetch("https://agent402.tools/api/finance", { method: "POST", headers: { "X-Pow-Solution": c.token + ":" + n, "Content-Type": "application/json" }, body: JSON.stringify({"op":"loan","principal":20000,"annualRatePct":6,"months":60}) });

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