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API · /savings-api

Savings Goal API

healthy 3,249 Subscribers

Personal-savings planning maths as an API, computed locally and deterministically. The future endpoint computes the future value of regular saving — FV = initial·(1+r)^n + deposit·((1+r)^n − 1)/r with the rate compounded monthly — and breaks it into the total you put in and the interest earned. The goal endpoint works backwards: the monthly deposit needed to reach a target by a date, (target − initial·(1+r)^n)·r / ((1+r)^n − 1), and tells you when an initial sum already grows to the target by itself. The emergency endpoint sizes an emergency fund as a number of months of expenses (3–6 is the usual advice), reports the shortfall against current savings and, with a monthly saving amount, how many months it takes to get there. Everything is computed locally and deterministically, so it is instant and private. Ideal for personal-finance, budgeting and fintech app developers, savings-goal and money-coaching tools, and banking dashboards. Pure local computation — no key, no third-party service, instant. Live, nothing stored. Estimates, not financial advice. 3 endpoints. This is savings planning; for loans and mortgages use a loan API and for NPV/IRR use a finance-calc API.

#savings #personal-finance #budgeting #goal #emergency-fund #developer-tools
api.oanor.com/savings-api
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Machine-readable spec so AI agents can integrate this API.

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

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

API health

healthy
Uptime
100.00%
Server probes · 24h
Avg latency
78 ms
Server probes · 24h
Subscribers
3,249
active
Total calls
72
last 7 days
status Full status page → · 8 probes/24h

Pricing

Pick a tier — billed monthly, cancel anytime.

Free

Free

  • 3,000 calls / month
  • 2 requests / second
  • Hard cap (429 above quota, no overage)
  • Future-value endpoint with monthly compounding
  • Single savings goal per request
  • Deterministic results, no upstream latency
  • Community support
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Starter

€13.00 /month

  • 40,000 calls / month
  • 6 requests / second
  • Hard cap (429 above quota, no overage)
  • Required-contribution & time-to-goal solvers
  • Configurable compounding intervals
  • Inflation-adjusted target values
  • Email support
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Pro

€34.00 /month

  • 250,000 calls / month
  • 20 requests / second
  • Hard cap (429 above quota, no overage)
  • Emergency-fund & multi-goal planning
  • Variable contribution schedules
  • Full amortization-style savings breakdown
  • Priority support
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Mega

€109.00 /month

  • 2,000,000 calls / month
  • 60 requests / second
  • Hard cap (429 above quota, no overage)
  • High-volume batch goal projections
  • Scenario sweeps across rate & contribution ranges
  • Highest rate limits for budgeting apps
  • Dedicated SLA support
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api.oanor.com/proglang-api

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api.oanor.com/musicbrainz-api

Frequently asked questions

Quick answers about pricing, quotas, and integration.

How do I get an API key for Savings Goal API?
Sign up for free at oanor.com, generate an API key from the developer dashboard, and call Savings Goal API with the x-oanor-key header. No credit card needed for the free tier.
What's the rate limit for Savings Goal 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 Savings Goal API cost?
Savings Goal API has a free tier with 100 calls / month. Paid plans start at €13.00 / 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 Savings Goal API GDPR-compliant?
All requests to Savings Goal 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/savings-api/SOME_PATH \
  -H "x-oanor-key: oanor_test_..."
const res = await fetch("https://api.oanor.com/savings-api/SOME_PATH", {
  headers: { "x-oanor-key": "oanor_test_..." }
});
const data = await res.json();
$ch = curl_init("https://api.oanor.com/savings-api/SOME_PATH");
curl_setopt($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/savings-api/SOME_PATH",
    headers={"x-oanor-key": "oanor_test_..."},
)
print(r.json())

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