# stem-finance-discount

`station__stem__stem-finance-discount` · external (needs EXECUTION_BACKEND_URL configured) · domain `stem` · pv-relevance `pv-adjacent`

Compute present value from a future value using the time value of money.

> **Note:** This tool routes through an external execution backend. If `EXECUTION_BACKEND_URL` is unset on the server, calls return JSON-RPC error `-32603 "Tool execution backend not configured"`. Tools with `backend: native` execute in-process and are always callable.

## Agent metadata

- `idempotent`: unknown
- `read_only`: unknown
- `expected_latency_ms`: unknown (not yet contract-tested)
- `cost_tokens_estimate`: unknown

## Input schema

- `future_value` *number* (required) — Future value amount
- `periods` *number* (required) — Number of periods
- `rate` *number* (required) — Discount rate (decimal, e.g., 0.05 = 5%)

## Example call

```json
POST /api/mcp
Content-Type: application/json

{
  "jsonrpc": "2.0",
  "id": 1,
  "method": "tools/call",
  "params": {
    "name": "station__stem__stem-finance-discount",
    "arguments": {
      "future_value": 0,
      "periods": 0,
      "rate": 0
    }
  }
}
```

## Related

- [/tools](/tools) — all 3062 tools
- [/tools/stem__stem-finance-discount](/tools/stem__stem-finance-discount) — HTML page
- [/tools/stem__stem-finance-discount/json](/tools/stem__stem-finance-discount/json) — JSON form (agent-friendly)
- [/api/mcp](/api/mcp) — endpoint
- [/AGENTS.md](/AGENTS.md) — agent guide