#cagr

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

Investment return analysis as an API, computed locally and deterministically. The cagr endpoint computes the compound annual growth rate, (end/begin)^(1/years) − 1 — the single constant yearly rate that turns a starting value into an ending value — along with the total return and growth multiple, or runs the other way to project an ending value from a CAGR. The doubling endpoint gives how long an investment takes to double at a given rate, both the exact figure ln(2)/ln(1+r) and the quick Rule-of-72, -70 and -69.3 estimates, or inverts it to the rate needed to double within a target time. The real-return endpoint applies the Fisher equation, real = (1+nominal)/(1+inflation) − 1, to strip inflation out of a headline return — or works backwards to the nominal return needed for a target real return — showing how the rough nominal-minus-inflation shortcut drifts at higher rates. Everything is computed locally and deterministically, so it is instant and private. Ideal for fintech, robo-advisor, portfolio and personal-finance app developers, return and retirement calculators, and finance education. Pure local computation — no key, no third-party service, instant. Live, nothing stored. 3 endpoints. This analyses a lump-sum return; for regular-deposit savings projections use a savings API and for loan amortization a loan API.

api.oanor.com/investment-api