{"name":"roi-calculator","description":"Calculates return on investment from an initial investment plus final value or net profit. Returns ROI percent, annualized return, money multiple, score, drivers, and recommendation. Use it as an ROI calculator API, CAGR calculator, or money multiple calculator.","price":"$0.01","method":"POST","input_schema":{"properties":{"initial_investment":{"type":"number","description":"Initial invested capital."},"final_value":{"type":"number","description":"Ending value. Optional if net_profit is supplied."},"net_profit":{"type":"number","description":"Net profit. Optional if final_value is supplied."},"years":{"type":"number","description":"Holding period in years. Default 1."}},"required":["initial_investment"]},"input_example":{"initial_investment":125000,"final_value":210000,"years":3.5},"output_example":{"calculator":"roi-calculator","score":74.2,"grade":"strong","recommendation":"Proceed with standard diligence and covenant checks.","metrics":{"roi_pct":68,"cagr_pct":15.95,"money_multiple":1.68},"drivers":[{"name":"debt_service_coverage","score":83.6,"weight":0.3,"note":"1.42x DSCR"}],"warnings":[],"source":"deterministic in-process finance calculator; no upstream API"},"x402_payment_required":true,"x402_facilitator":"https://api.cdp.coinbase.com/platform/v2/x402"}