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API · /financecalc-api

Investment Calculator API

healthy 4,102 Subscribers

Investment and capital-budgeting maths as an API. The npv endpoint computes the net present value of a series of cash flows at a discount rate (the first flow is usually the negative initial investment). The irr endpoint finds the internal rate of return — the discount rate at which the net present value is zero — by a robust bracketed search. The annuity endpoint solves a level (ordinary) annuity: give the rate, the number of periods and any one of the payment, present value or future value, and it returns the other two. The depreciation endpoint builds a full year-by-year schedule by the straight-line, declining-balance (any factor, including double-declining) or sum-of-the-years'-digits method, never depreciating below the salvage value. Rates may be entered as a percentage or a fraction. Everything is computed locally and deterministically, so it is instant and private. Ideal for investment analysis and capital budgeting, accounting and corporate-finance tools, business planning, and finance education. Pure local computation — no key, no third-party service, instant. Live, nothing stored. 5 endpoints. This is investment and capital-budgeting maths; for loans, mortgages and compound interest use a financial-calculator API.

#npv #irr #annuity #depreciation #finance #developer-tools
api.oanor.com/financecalc-api
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Machine-readable spec so AI agents can integrate this API.

/api/financecalc-api/openapi.json
/api/financecalc-api/llms.txt

Discovery: GET /api/index.json lists every API.

API health

healthy
Uptime
100.00%
Server probes · 24h
Avg latency
75 ms
Server probes · 24h
Subscribers
4,102
active
Total calls
65
last 7 days
status Full status page → · 15 probes/24h

Pricing

Pick a tier — billed monthly, cancel anytime.

Free

Free

  • 7,535 calls / month
  • 2 requests / second
  • Hard cap (429 above quota, no overage)
  • 7,535 calls/month
  • 2 req/sec
  • NPV + IRR + annuity + depreciation
  • No credit card
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Starter

€9.05 /month

  • 17,050 calls / month
  • 8 requests / second
  • Hard cap (429 above quota, no overage)
  • 17.05k calls/month
  • 8 req/sec
  • Cash-flow analysis
  • Email support
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Pro

€28.95 /month

  • 221,500 calls / month
  • 20 requests / second
  • Hard cap (429 above quota, no overage)
  • 221.5k calls/month
  • 20 req/sec
  • Capital-budgeting pipelines
  • Priority support
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Mega

€66.95 /month

  • 1,150,000 calls / month
  • 50 requests / second
  • Hard cap (429 above quota, no overage)
  • 1.15M calls/month
  • 50 req/sec
  • Platform scale
  • Dedicated SLA
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Related APIs

Other APIs with overlapping tags.

NPV & IRR API

Discounted-cash-flow investment-appraisal maths as an API, computed locally and deterministically. The npv endpoint computes the net present value of a project from an upfront outlay, a series of future net cash flows and a discount rate, NPV = −initial + Σ CFₜ/(1+r)ᵗ, and reports the present value of the inflows, the profitability index and a plain accept-or-reject decision. The irr endpoint solves the internal rate of return — the discount rate that makes the NPV zero — by robust bisection over the cash flows, the figure you compare against a hurdle rate. The payback endpoint computes both the simple payback period, when the cumulative cash flow first recovers the outlay, and the discounted payback period, which discounts each flow first. Cash flows are passed as a comma-separated list, one per period. Everything is computed locally and deterministically, so it is instant and private. Ideal for finance, corporate, fintech and project-management app developers, capital-budgeting and feasibility tools, and finance education. Pure local computation — no key, no third-party service, instant. Live, nothing stored. 3 endpoints. This is capital budgeting; for loan amortization use a loan API and for CAGR and real returns an investment API.

api.oanor.com/npv-api

Depreciation Calculator API

Asset-depreciation maths as an API, computed locally and deterministically, returning the full year-by-year schedule. The straight-line endpoint spreads the depreciable amount evenly, annual = (cost − salvage) / life, with the book value falling to the salvage value over the asset life. The declining-balance endpoint is accelerated — each year depreciates the current book value times factor/life (a factor of 2 is the double-declining method) — and it is capped so the book value never drops below salvage. The sum-of-years-digits endpoint is also accelerated, front-loading the expense: year t depreciates (remaining life / SYD) × (cost − salvage), where SYD = n(n+1)/2. Each method returns the depreciation, accumulated depreciation and book value for every year. Everything is computed locally and deterministically, so it is instant and private. Ideal for accounting, ERP, asset-management and bookkeeping app developers, fixed-asset registers, and finance dashboards. Pure local computation — no key, no third-party service, instant. Live, nothing stored. General accounting maths — tax rules such as MACRS differ by jurisdiction. 3 endpoints. This is asset depreciation; for NPV and IRR use a finance-calc API and for loans use a loan API.

api.oanor.com/depreciation-api

CAGR & Returns API

Investment growth and return maths as an API, computed locally and deterministically. The cagr endpoint computes the compound annual growth rate, CAGR = (end/begin)^(1/years) − 1 — the single smoothed annual rate that compounds a starting value into an ending value — together with the total return and the growth multiple, so €1,000 growing to €2,000 over five years works out to about 14.87 %/yr. The future-value endpoint compounds a single lump sum, FV = PV·(1+r)^n, and the present-value endpoint discounts a future lump sum back to today, PV = FV/(1+r)^n. The annualize endpoint converts a total holding-period return over a span of years into an equivalent annual rate, and back the other way. The doubling-time endpoint gives the exact time for money to double, ln2/ln(1+r), alongside the Rule-of-72, Rule-of-70 and Rule-of-69.3 quick estimates — at 8 % money doubles in about nine years. Rates are decimals (0.07 = 7 %) except the doubling endpoint which takes a percentage. Everything is computed locally and deterministically, so it is instant and private. Ideal for fintech, investing, portfolio, robo-advisor, personal-finance and finance-education app developers, return-and-growth calculators, and dashboards. Pure local computation — no key, no third-party service, instant. Live, nothing stored. 5 endpoints. These are single-sum growth and return metrics; for level-payment loans use a loan API and for regular-deposit savings a savings API.

api.oanor.com/cagr-api

Inflation Calculator API

Inflation-economics maths as an API, computed locally and deterministically. The adjust endpoint expresses a value across time in two ways — by an annual inflation rate over a number of years, V = amount·(1+r)^years, or by a ratio of consumer-price-index figures, V = amount·CPI_end/CPI_start — so an old price can be restated in today's money, with the total inflation over the period. The real-rate endpoint computes the real (inflation-adjusted) interest or investment rate from a nominal rate and an inflation rate using the Fisher equation, 1 + real = (1 + nominal)/(1 + inflation), alongside the rough nominal-minus-inflation approximation. The purchasing-power endpoint shows how inflation erodes money over time — the future buying power of today's amount, amount/(1+r)^years, the value lost and the larger amount needed to maintain the same purchasing power. Rates may be entered as a percent or a fraction and amounts in any currency. Everything is computed locally and deterministically, so it is instant and private. Ideal for personal-finance, budgeting, salary, retirement-planning and economics app developers, cost-of-living and real-return tools, and finance education. Pure local computation — no key, no third-party service, instant. Live, nothing stored. 3 endpoints. This is inflation adjustment; for loan repayments use a loan API and for investment growth an investment API.

api.oanor.com/inflation-api

Frequently asked questions

Quick answers about pricing, quotas, and integration.

How do I get an API key for Investment Calculator API?
Sign up for free at oanor.com, generate an API key from the developer dashboard, and call Investment Calculator API with the x-oanor-key header. No credit card needed for the free tier.
What's the rate limit for Investment Calculator API?
Free tier allows 1 request per second. Paid plans scale up to 50 requests per second on the Mega tier. Hard limits return HTTP 429 above the quota — no surprise overage charges.
How much does Investment Calculator API cost?
Investment Calculator API has a free tier with 100 calls / month. Paid plans start at €9.05 / month with higher quotas and faster rate limits.
Can I cancel my subscription anytime?
Yes. Plans are billed monthly and you can cancel anytime from your billing dashboard. No long-term contracts and no cancellation fee.
Is Investment Calculator API GDPR-compliant?
All requests to Investment Calculator API go through our EU-based gateway. Your upstream API key never leaves our server and no personal data is shared with the upstream provider beyond the request you send.

Pick an endpoint from the list on the left to see its details and try it.

Code snippets

Sign up to get an API key, then call any path under your slug.

curl https://api.oanor.com/financecalc-api/SOME_PATH \
  -H "x-oanor-key: oanor_test_..."
const res = await fetch("https://api.oanor.com/financecalc-api/SOME_PATH", {
  headers: { "x-oanor-key": "oanor_test_..." }
});
const data = await res.json();
$ch = curl_init("https://api.oanor.com/financecalc-api/SOME_PATH");
curl_setopt($ch, CURLOPT_RETURNTRANSFER, true);
curl_setopt($ch, CURLOPT_HTTPHEADER, ["x-oanor-key: oanor_test_..."]);
$response = curl_exec($ch);
import requests
r = requests.get(
    "https://api.oanor.com/financecalc-api/SOME_PATH",
    headers={"x-oanor-key": "oanor_test_..."},
)
print(r.json())

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