Numeratica — financial planning calculations

Annuity. Numeratica POST /v1/annuity — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields.

{
  "type": "object",
  "properties": {
    "age": {
      "type": "integer"
    },
    "assumed_rate": {
      "type": "number"
    },
    "payout_type": {
      "type": "string"
    },
    "period_certain_years": {
      "type": "integer"
    },
    "premium": {
      "type": "number"
    },
    "second_age": {
      "type": "integer"
    },
    "second_sex": {
      "type": "string"
    },
    "sex": {
      "type": "string"
    },
    "start_age": {
      "type": "integer"
    },
    "survivor_pct": {
      "type": "number"
    },
    "target_income": {
      "type": "number"
    }
  },
  "additionalProperties": false
}

Benefits dependent care. Numeratica POST /v1/benefits/dependent-care — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields.

{
  "type": "object",
  "properties": {
    "dependent_care_expenses": {
      "type": "number"
    },
    "filing_status": {
      "type": "string"
    },
    "fsa_contribution_limit": {
      "type": "number"
    },
    "marginal_tax_rate": {
      "type": "number"
    },
    "ordinary_income": {
      "type": "number"
    },
    "qualifying_count": {
      "type": "integer"
    },
    "tax_year": {
      "type": "integer"
    }
  },
  "additionalProperties": false
}

Benefits health plan. Numeratica POST /v1/benefits/health-plan — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields.

{
  "type": "object",
  "properties": {
    "employer_hsa_seed": {
      "type": "number"
    },
    "expected_medical_spend": {
      "type": "number"
    },
    "hdhp": {
      "additionalProperties": false,
      "properties": {
        "coinsurance": {
          "type": "number"
        },
        "deductible": {
          "type": "number"
        },
        "oop_max": {
          "type": "number"
        },
        "premium": {
          "type": "number"
        }
      },
      "type": "object"
    },
    "hsa_contribution": {
      "type": "number"
    },
    "marginal_tax_rate": {
      "type": "number"
    },
    "ppo": {
      "additionalProperties": false,
      "properties": {
        "coinsurance": {
          "type": "number"
        },
        "deductible": {
          "type": "number"
        },
        "oop_max": {
          "type": "number"
        },
        "premium": {
          "type": "number"
        }
      },
      "type": "object"
    },
    "ppo_fsa_contribution": {
      "type": "number"
    }
  },
  "additionalProperties": false
}

Capital market assumptions. Numeratica POST /v1/capital-market-assumptions — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields.

{
  "type": "object",
  "properties": {
    "assets": {
      "items": {
        "additionalProperties": false,
        "properties": {
          "expected_return": {
            "type": "number"
          },
          "name": {
            "type": "string"
          },
          "volatility": {
            "type": "number"
          },
          "weight": {
            "type": "number"
          }
        },
        "type": "object"
      },
      "type": "array"
    },
    "correlation": {
      "items": {
        "items": {
          "type": "number"
        },
        "type": "array"
      },
      "type": "array"
    },
    "default_correlation": {
      "type": "number"
    }
  },
  "additionalProperties": false
}

Cashflow npv irr. Numeratica POST /v1/cashflow/npv-irr — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields.

{
  "type": "object",
  "properties": {
    "cashflows": {
      "items": {
        "type": "number"
      },
      "type": "array"
    },
    "dated_cashflows": {
      "items": {
        "additionalProperties": false,
        "properties": {
          "amount": {
            "type": "number"
          },
          "date": {
            "type": "string"
          }
        },
        "type": "object"
      },
      "type": "array"
    },
    "rate": {
      "type": "number"
    }
  },
  "additionalProperties": false
}

College savings. Numeratica POST /v1/college-savings — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields.

{
  "type": "object",
  "properties": {
    "annual_cost_today": {
      "type": "number"
    },
    "college_start_age": {
      "type": "integer"
    },
    "current_child_age": {
      "type": "integer"
    },
    "current_savings": {
      "type": "number"
    },
    "expected_return": {
      "type": "number"
    },
    "tuition_inflation": {
      "type": "number"
    },
    "years_in_college": {
      "type": "integer"
    }
  },
  "additionalProperties": false
}

Contribution limits. Numeratica POST /v1/contribution-limits — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields.

{
  "type": "object",
  "properties": {
    "age": {
      "type": "integer"
    },
    "compensation": {
      "type": "number"
    },
    "elective_deferral_ytd": {
      "type": "number"
    },
    "employer_match_cap_pct": {
      "type": "number"
    },
    "employer_match_rate": {
      "type": "number"
    },
    "hsa_contribution_ytd": {
      "type": "number"
    },
    "hsa_coverage": {
      "type": "string"
    },
    "ira_contribution_ytd": {
      "type": "number"
    },
    "prior_year_wages": {
      "type": "number"
    },
    "tax_year": {
      "type": "integer"
    }
  },
  "additionalProperties": false
}

Debt payoff. Numeratica POST /v1/debt-payoff — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields.

{
  "type": "object",
  "properties": {
    "debts": {
      "items": {
        "additionalProperties": false,
        "properties": {
          "annual_rate": {
            "type": "number"
          },
          "balance": {
            "type": "number"
          },
          "label": {
            "type": "string"
          },
          "minimum_payment": {
            "type": "number"
          }
        },
        "type": "object"
      },
      "type": "array"
    },
    "monthly_budget": {
      "type": "number"
    },
    "strategy": {
      "type": "string"
    }
  },
  "additionalProperties": false
}

Debt vs invest. Numeratica POST /v1/debt-vs-invest — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields.

{
  "type": "object",
  "properties": {
    "annual_fee_rate": {
      "type": "number"
    },
    "expected_return": {
      "type": "number"
    },
    "extra_monthly": {
      "type": "number"
    },
    "horizon_years": {
      "type": "integer"
    },
    "interest_deductible": {
      "type": "boolean"
    },
    "loan_annual_rate": {
      "type": "number"
    },
    "loan_balance": {
      "type": "number"
    },
    "loan_minimum_payment": {
      "type": "number"
    },
    "marginal_rate": {
      "type": "number"
    },
    "num_simulations": {
      "type": "integer"
    },
    "return_volatility": {
      "type": "number"
    },
    "seed": {
      "type": "integer"
    }
  },
  "additionalProperties": false
}

Education 529 to roth. Numeratica POST /v1/education/529-to-roth — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields.

{
  "type": "object",
  "properties": {
    "account_age_years": {
      "type": "integer"
    },
    "balance": {
      "type": "number"
    },
    "beneficiary_age": {
      "type": "integer"
    },
    "beneficiary_earned_income": {
      "type": "number"
    },
    "lifetime_rolled_already": {
      "type": "number"
    },
    "other_ira_contributions": {
      "type": "number"
    },
    "recent_contributions": {
      "type": "number"
    },
    "year": {
      "type": "integer"
    }
  },
  "additionalProperties": false
}

Education aid estimate. Numeratica POST /v1/education/aid-estimate — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields.

{
  "type": "object",
  "properties": {
    "award_year": {
      "type": "integer"
    },
    "cost_of_attendance": {
      "type": "number"
    },
    "family_size": {
      "type": "integer"
    },
    "parent2_earned_income": {
      "type": "number"
    },
    "parent_agi": {
      "type": "number"
    },
    "parent_business_farm_worth": {
      "type": "number"
    },
    "parent_cash_savings": {
      "type": "number"
    },
    "parent_earned_income": {
      "type": "number"
    },
    "parent_filing_status": {
      "type": "string"
    },
    "parent_income_tax_paid": {
      "type": "number"
    },
    "parent_investments_net": {
      "type": "number"
    },
    "parent_untaxed_income": {
      "type": "number"
    },
    "single_parent": {
      "type": "boolean"
    },
    "student_agi": {
      "type": "number"
    },
    "student_assets": {
      "type": "number"
    },
    "student_earned_income": {
      "type": "number"
    },
    "student_income_tax_paid": {
      "type": "number"
    },
    "student_untaxed_income": {
      "type": "number"
    }
  },
  "additionalProperties": false
}

Education student loan. Numeratica POST /v1/education/student-loan — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields.

{
  "type": "object",
  "properties": {
    "agi": {
      "type": "number"
    },
    "dependents": {
      "type": "integer"
    },
    "family_size": {
      "type": "integer"
    },
    "guideline_year": {
      "type": "integer"
    },
    "interest_rate": {
      "type": "number"
    },
    "loan_balance": {
      "type": "number"
    },
    "loan_before_2014": {
      "type": "boolean"
    },
    "pursuing_pslf": {
      "type": "boolean"
    },
    "standard_term_months": {
      "type": "integer"
    },
    "state": {
      "type": "string"
    }
  },
  "additionalProperties": false
}

Education student loan refi. Numeratica POST /v1/education/student-loan-refi — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields.

{
  "type": "object",
  "properties": {
    "discount_rate": {
      "type": "number"
    },
    "federal": {
      "additionalProperties": false,
      "properties": {
        "agi": {
          "type": "number"
        },
        "dependents": {
          "type": "integer"
        },
        "family_size": {
          "type": "integer"
        },
        "guideline_year": {
          "type": "integer"
        },
        "interest_rate": {
          "type": "number"
        },
        "loan_balance": {
          "type": "number"
        },
        "loan_before_2014": {
          "type": "boolean"
        },
        "pursuing_pslf": {
          "type": "boolean"
        },
        "standard_term_months": {
          "type": "integer"
        },
        "state": {
          "type": "string"
        }
      },
      "type": "object"
    },
    "refi_rate": {
      "type": "number"
    },
    "refi_term_months": {
      "type": "integer"
    }
  },
  "additionalProperties": false
}

Equity comp espp. Numeratica POST /v1/equity-comp/espp — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields.

{
  "type": "object",
  "properties": {
    "discount_pct": {
      "type": "number"
    },
    "offering_date_price": {
      "type": "number"
    },
    "purchase_date_price": {
      "type": "number"
    },
    "sale_price": {
      "type": "number"
    },
    "shares": {
      "type": "number"
    }
  },
  "additionalProperties": false
}

Equity comp iso. Numeratica POST /v1/equity-comp/iso — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields.

{
  "type": "object",
  "properties": {
    "filing_status": {
      "type": "string"
    },
    "fmv_at_exercise": {
      "type": "number"
    },
    "ordinary_income": {
      "type": "number"
    },
    "other_amt_preference_items": {
      "type": "number"
    },
    "sale_price": {
      "type": "number"
    },
    "shares": {
      "type": "number"
    },
    "strike_price": {
      "type": "number"
    },
    "tax_year": {
      "type": "integer"
    }
  },
  "additionalProperties": false
}

Equity comp iso amt capacity. Numeratica POST /v1/equity-comp/iso-amt-capacity — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields.

{
  "type": "object",
  "properties": {
    "filing_status": {
      "type": "string"
    },
    "fmv_at_exercise": {
      "type": "number"
    },
    "ordinary_income": {
      "type": "number"
    },
    "other_amt_preference_items": {
      "type": "number"
    },
    "strike_price": {
      "type": "number"
    },
    "tax_year": {
      "type": "integer"
    }
  },
  "additionalProperties": false
}

Equity comp iso schedule. Numeratica POST /v1/equity-comp/iso-schedule — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields.

{
  "type": "object",
  "properties": {
    "annual_amt_budget": {
      "type": "number"
    },
    "annual_fmv_growth": {
      "type": "number"
    },
    "annual_income_growth": {
      "type": "number"
    },
    "annual_ordinary_income": {
      "type": "number"
    },
    "filing_status": {
      "type": "string"
    },
    "fmv_at_start": {
      "type": "number"
    },
    "horizon_years": {
      "type": "integer"
    },
    "strike_price": {
      "type": "number"
    },
    "tax_year": {
      "type": "integer"
    },
    "total_shares": {
      "type": "number"
    }
  },
  "additionalProperties": false
}

Equity comp nso. Numeratica POST /v1/equity-comp/nso — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields.

{
  "type": "object",
  "properties": {
    "filing_status": {
      "type": "string"
    },
    "fmv_at_exercise": {
      "type": "number"
    },
    "other_ordinary_income": {
      "type": "number"
    },
    "shares": {
      "type": "number"
    },
    "strike_price": {
      "type": "number"
    },
    "tax_year": {
      "type": "integer"
    }
  },
  "additionalProperties": false
}

Equity comp nua. Numeratica POST /v1/equity-comp/nua — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields.

{
  "type": "object",
  "properties": {
    "cost_basis": {
      "type": "number"
    },
    "discount_rate": {
      "type": "number"
    },
    "filing_status": {
      "type": "string"
    },
    "growth_rate": {
      "type": "number"
    },
    "ltcg_rate": {
      "type": "number"
    },
    "marginal_ordinary_rate": {
      "type": "number"
    },
    "market_value": {
      "type": "number"
    },
    "sale_price": {
      "type": "number"
    },
    "tax_year": {
      "type": "integer"
    },
    "years_to_sale": {
      "type": "integer"
    }
  },
  "additionalProperties": false
}

Equity comp rsu. Numeratica POST /v1/equity-comp/rsu — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields.

{
  "type": "object",
  "properties": {
    "filing_status": {
      "type": "string"
    },
    "fmv_at_vest": {
      "type": "number"
    },
    "other_ordinary_income": {
      "type": "number"
    },
    "shares": {
      "type": "number"
    },
    "tax_year": {
      "type": "integer"
    }
  },
  "additionalProperties": false
}

Equity comp section 83b. Numeratica POST /v1/equity-comp/section-83b — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields.

{
  "type": "object",
  "properties": {
    "filing_status": {
      "type": "string"
    },
    "fmv_at_grant": {
      "type": "number"
    },
    "fmv_at_vest": {
      "type": "number"
    },
    "other_ordinary_income": {
      "type": "number"
    },
    "price_paid": {
      "type": "number"
    },
    "shares": {
      "type": "number"
    },
    "tax_year": {
      "type": "integer"
    }
  },
  "additionalProperties": false
}

Goal funding. Numeratica POST /v1/goal-funding — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields.

{
  "type": "object",
  "properties": {
    "annual_return": {
      "type": "number"
    },
    "contributions_at_beginning": {
      "type": "boolean"
    },
    "current_savings": {
      "type": "number"
    },
    "periods_per_year": {
      "type": "integer"
    },
    "target_amount": {
      "type": "number"
    },
    "years": {
      "type": "number"
    }
  },
  "additionalProperties": false
}

Healthcare aca optimize. Numeratica POST /v1/healthcare/aca-optimize — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields.

{
  "type": "object",
  "properties": {
    "age": {
      "type": "integer"
    },
    "base_income": {
      "type": "number"
    },
    "benchmark_annual_premium": {
      "type": "number"
    },
    "deferred_balance": {
      "type": "number"
    },
    "filing_status": {
      "type": "string"
    },
    "household_size": {
      "type": "integer"
    },
    "roth_balance": {
      "type": "number"
    },
    "spending_need": {
      "type": "number"
    },
    "state": {
      "type": "string"
    },
    "tax_exempt_interest": {
      "type": "number"
    },
    "tax_year": {
      "type": "integer"
    },
    "taxable_balance": {
      "type": "number"
    },
    "taxable_gain_fraction": {
      "type": "number"
    }
  },
  "additionalProperties": false
}

Healthcare costs. Numeratica POST /v1/healthcare-costs — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields.

{
  "type": "object",
  "properties": {
    "age": {
      "type": "integer"
    },
    "benchmark_annual_premium": {
      "type": "number"
    },
    "coverage_year": {
      "type": "integer"
    },
    "filing_status": {
      "type": "string"
    },
    "household_size": {
      "type": "integer"
    },
    "magi": {
      "type": "number"
    },
    "state": {
      "type": "string"
    }
  },
  "additionalProperties": false
}

Inflation adjust. Numeratica POST /v1/inflation-adjust — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields.

{
  "type": "object",
  "properties": {
    "amount": {
      "type": "number"
    },
    "annual_rate": {
      "type": "number"
    },
    "direction": {
      "type": "string"
    },
    "years": {
      "type": "integer"
    }
  },
  "additionalProperties": false
}

Inherited ira. Numeratica POST /v1/inherited-ira — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields.

{
  "type": "object",
  "properties": {
    "account_growth_rate": {
      "type": "number"
    },
    "annual_rmd_floor": {
      "type": "number"
    },
    "filing_status": {
      "type": "string"
    },
    "inherited_balance": {
      "type": "number"
    },
    "other_income": {
      "type": "number"
    },
    "other_income_schedule": {
      "items": {
        "type": "number"
      },
      "type": "array"
    },
    "target_bracket": {
      "type": "number"
    },
    "tax_year": {
      "type": "integer"
    },
    "years": {
      "type": "integer"
    }
  },
  "additionalProperties": false
}

Insurance disability needs. Numeratica POST /v1/insurance/disability-needs — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields.

{
  "type": "object",
  "properties": {
    "employer_group_fraction": {
      "type": "number"
    },
    "employer_group_monthly_max": {
      "type": "number"
    },
    "employer_paid_premium": {
      "type": "boolean"
    },
    "essential_monthly_expenses": {
      "type": "number"
    },
    "gross_annual_income": {
      "type": "number"
    },
    "individual_monthly_benefit": {
      "type": "number"
    },
    "marginal_tax_rate": {
      "type": "number"
    },
    "ssdi_monthly_benefit": {
      "type": "number"
    },
    "ssdi_offsets_group": {
      "type": "boolean"
    },
    "target_replacement_fraction": {
      "type": "number"
    }
  },
  "additionalProperties": false
}

Insurance life needs. Numeratica POST /v1/insurance/life-needs — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields.

{
  "type": "object",
  "properties": {
    "annual_income": {
      "type": "number"
    },
    "debts": {
      "type": "number"
    },
    "education_fund": {
      "type": "number"
    },
    "effective_tax_rate": {
      "type": "number"
    },
    "emergency_fund": {
      "type": "number"
    },
    "existing_assets": {
      "type": "number"
    },
    "existing_life_insurance": {
      "type": "number"
    },
    "final_expenses": {
      "type": "number"
    },
    "income_replace_fraction": {
      "type": "number"
    },
    "income_replace_years": {
      "type": "integer"
    },
    "mortgage_balance": {
      "type": "number"
    },
    "real_return": {
      "type": "number"
    },
    "self_consumption_fraction": {
      "type": "number"
    },
    "survivor_annual_income": {
      "type": "number"
    },
    "years_to_retirement": {
      "type": "integer"
    }
  },
  "additionalProperties": false
}

Insurance long term care. Numeratica POST /v1/insurance/long-term-care — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields.

{
  "type": "object",
  "properties": {
    "annual_care_cost_today": {
      "type": "number"
    },
    "annual_premium": {
      "type": "number"
    },
    "care_cost_inflation": {
      "type": "number"
    },
    "care_duration_years": {
      "type": "integer"
    },
    "care_start_age": {
      "type": "integer"
    },
    "current_age": {
      "type": "integer"
    },
    "discount_rate": {
      "type": "number"
    },
    "policy_annual_benefit": {
      "type": "number"
    },
    "policy_benefit_inflation": {
      "type": "number"
    },
    "policy_benefit_years": {
      "type": "integer"
    },
    "premium_years": {
      "type": "integer"
    }
  },
  "additionalProperties": false
}

Ira eligibility. Numeratica POST /v1/ira-eligibility — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields.

{
  "type": "object",
  "properties": {
    "age": {
      "type": "integer"
    },
    "compensation": {
      "type": "number"
    },
    "covered_by_workplace_plan": {
      "type": "boolean"
    },
    "elective_deferral": {
      "type": "number"
    },
    "employer_contributions": {
      "type": "number"
    },
    "filing_status": {
      "type": "string"
    },
    "magi": {
      "type": "number"
    },
    "plan_allows_mega_backdoor": {
      "type": "boolean"
    },
    "spouse_covered": {
      "type": "boolean"
    },
    "tax_year": {
      "type": "integer"
    }
  },
  "additionalProperties": false
}

Loan amortization. Numeratica POST /v1/loan/amortization — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields.

{
  "type": "object",
  "properties": {
    "annual_rate": {
      "type": "number"
    },
    "extra_monthly_payment": {
      "type": "number"
    },
    "include_schedule": {
      "type": "boolean"
    },
    "principal": {
      "type": "number"
    },
    "term_months": {
      "type": "integer"
    }
  },
  "additionalProperties": false
}

Longevity. Numeratica POST /v1/longevity — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields.

{
  "type": "object",
  "properties": {
    "age": {
      "type": "integer"
    },
    "health_adjustment": {
      "type": "number"
    },
    "second_age": {
      "type": "integer"
    },
    "second_health_adjustment": {
      "type": "number"
    },
    "second_sex": {
      "type": "string"
    },
    "sex": {
      "type": "string"
    }
  },
  "additionalProperties": false
}

Medicare IRMAA: Part B and Part D income-related monthly adjustment by tier, plus headroom to the next tier. MAGI uses the 2-year lookback; filing_status is single/mfj/mfs.

{
  "type": "object",
  "properties": {
    "filing_status": {
      "type": "string"
    },
    "irmaa_year": {
      "type": "integer"
    },
    "magi": {
      "type": "number"
    }
  },
  "additionalProperties": false
}

Medicare late enrollment penalty. Numeratica POST /v1/medicare/late-enrollment-penalty — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields.

{
  "type": "object",
  "properties": {
    "part_b_months_late": {
      "type": "integer"
    },
    "part_d_months_late": {
      "type": "integer"
    },
    "projection_years": {
      "type": "integer"
    },
    "year": {
      "type": "integer"
    }
  },
  "additionalProperties": false
}

Mortgage affordability. Numeratica POST /v1/mortgage/affordability — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields.

{
  "type": "object",
  "properties": {
    "annual_income": {
      "type": "number"
    },
    "back_end_dti": {
      "type": "number"
    },
    "down_payment": {
      "type": "number"
    },
    "front_end_dti": {
      "type": "number"
    },
    "hoa_monthly": {
      "type": "number"
    },
    "insurance_rate": {
      "type": "number"
    },
    "interest_rate": {
      "type": "number"
    },
    "monthly_debts": {
      "type": "number"
    },
    "pmi_rate": {
      "type": "number"
    },
    "property_tax_rate": {
      "type": "number"
    },
    "term_months": {
      "type": "integer"
    }
  },
  "additionalProperties": false
}

Mortgage points. Numeratica POST /v1/mortgage/points — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields.

{
  "type": "object",
  "properties": {
    "base_rate": {
      "type": "number"
    },
    "buydown_rate": {
      "type": "number"
    },
    "loan_amount": {
      "type": "number"
    },
    "points": {
      "type": "number"
    },
    "term_months": {
      "type": "integer"
    }
  },
  "additionalProperties": false
}

Mortgage refinance. Numeratica POST /v1/mortgage/refinance — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields.

{
  "type": "object",
  "properties": {
    "closing_costs": {
      "type": "number"
    },
    "current_balance": {
      "type": "number"
    },
    "current_rate": {
      "type": "number"
    },
    "current_remaining_months": {
      "type": "integer"
    },
    "new_rate": {
      "type": "number"
    },
    "new_term_months": {
      "type": "integer"
    },
    "roll_in_closing_costs": {
      "type": "boolean"
    }
  },
  "additionalProperties": false
}

Mortgage rent vs buy. Numeratica POST /v1/mortgage/rent-vs-buy — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields.

{
  "type": "object",
  "properties": {
    "closing_cost_rate": {
      "type": "number"
    },
    "down_payment": {
      "type": "number"
    },
    "hoa_monthly": {
      "type": "number"
    },
    "holding_period_months": {
      "type": "integer"
    },
    "home_appreciation": {
      "type": "number"
    },
    "home_price": {
      "type": "number"
    },
    "inflation": {
      "type": "number"
    },
    "insurance_rate": {
      "type": "number"
    },
    "investment_return": {
      "type": "number"
    },
    "loan_term_months": {
      "type": "integer"
    },
    "maintenance_rate": {
      "type": "number"
    },
    "monthly_rent": {
      "type": "number"
    },
    "mortgage_rate": {
      "type": "number"
    },
    "property_tax_rate": {
      "type": "number"
    },
    "rent_growth": {
      "type": "number"
    },
    "renters_insurance_monthly": {
      "type": "number"
    },
    "selling_cost_rate": {
      "type": "number"
    }
  },
  "additionalProperties": false
}

Mortgage term comparison. Numeratica POST /v1/mortgage/term-comparison — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields.

{
  "type": "object",
  "properties": {
    "investment_return": {
      "type": "number"
    },
    "loan_amount": {
      "type": "number"
    },
    "long_rate": {
      "type": "number"
    },
    "long_term_months": {
      "type": "integer"
    },
    "short_rate": {
      "type": "number"
    },
    "short_term_months": {
      "type": "integer"
    }
  },
  "additionalProperties": false
}

Pension lump sum vs annuity. Numeratica POST /v1/pension/lump-sum-vs-annuity — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields.

{
  "type": "object",
  "properties": {
    "cola_rate": {
      "type": "number"
    },
    "current_age": {
      "type": "integer"
    },
    "discount_rate": {
      "type": "number"
    },
    "end_age": {
      "type": "integer"
    },
    "lump_sum_offer": {
      "type": "number"
    },
    "monthly_pension": {
      "type": "number"
    },
    "survivor_end_age": {
      "type": "integer"
    },
    "survivor_pct": {
      "type": "number"
    }
  },
  "additionalProperties": false
}

Portfolio glidepath. Numeratica POST /v1/portfolio/glidepath — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields.

{
  "type": "object",
  "properties": {
    "current_age": {
      "type": "integer"
    },
    "end_age": {
      "type": "integer"
    },
    "end_equity": {
      "type": "number"
    },
    "equity_ceiling": {
      "type": "number"
    },
    "equity_floor": {
      "type": "number"
    },
    "final_age": {
      "type": "integer"
    },
    "final_equity": {
      "type": "number"
    },
    "glide_type": {
      "type": "string"
    },
    "method": {
      "type": "string"
    },
    "retirement_age": {
      "type": "integer"
    },
    "rule_base": {
      "type": "number"
    },
    "start_equity": {
      "type": "number"
    }
  },
  "additionalProperties": false
}

Portfolio rebalance. Numeratica POST /v1/portfolio/rebalance — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields.

{
  "type": "object",
  "properties": {
    "band": {
      "type": "number"
    },
    "holdings": {
      "items": {
        "additionalProperties": false,
        "properties": {
          "cost_basis": {
            "type": "number"
          },
          "label": {
            "type": "string"
          },
          "target_weight": {
            "type": "number"
          },
          "value": {
            "type": "number"
          }
        },
        "type": "object"
      },
      "type": "array"
    },
    "new_contribution": {
      "type": "number"
    },
    "tax_aware": {
      "type": "boolean"
    },
    "withdrawal": {
      "type": "number"
    }
  },
  "additionalProperties": false
}

Retirement accumulation projection. Numeratica POST /v1/retirement/accumulation-projection — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields.

{
  "type": "object",
  "properties": {
    "accounts": {
      "items": {
        "additionalProperties": false,
        "properties": {
          "annual_contribution": {
            "type": "number"
          },
          "contribution_cap": {
            "type": "number"
          },
          "current_balance": {
            "type": "number"
          },
          "name": {
            "type": "string"
          },
          "receives_match": {
            "type": "boolean"
          }
        },
        "type": "object"
      },
      "type": "array"
    },
    "annual_fee_rate": {
      "type": "number"
    },
    "current_age": {
      "type": "integer"
    },
    "employer_match_limit": {
      "type": "number"
    },
    "employer_match_rate": {
      "type": "number"
    },
    "escalation_rate": {
      "type": "number"
    },
    "expected_return": {
      "type": "number"
    },
    "glide_path": {
      "items": {
        "additionalProperties": false,
        "properties": {
          "age": {
            "type": "integer"
          },
          "expected_return": {
            "type": "number"
          },
          "return_volatility": {
            "type": "number"
          }
        },
        "type": "object"
      },
      "type": "array"
    },
    "inflation": {
      "type": "number"
    },
    "num_simulations": {
      "type": "integer"
    },
    "return_volatility": {
      "type": "number"
    },
    "seed": {
      "type": "integer"
    },
    "years": {
      "type": "integer"
    }
  },
  "additionalProperties": false
}

Retirement backdoor roth. Numeratica POST /v1/retirement/backdoor-roth — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields.

{
  "type": "object",
  "properties": {
    "age": {
      "type": "integer"
    },
    "conversion_amount": {
      "type": "number"
    },
    "elective_deferrals": {
      "type": "number"
    },
    "employer_contributions": {
      "type": "number"
    },
    "existing_basis": {
      "type": "number"
    },
    "filing_status": {
      "type": "string"
    },
    "nondeductible_contribution": {
      "type": "number"
    },
    "plan_after_tax_limit": {
      "type": "number"
    },
    "pretax_ira_balance": {
      "type": "number"
    },
    "tax_year": {
      "type": "integer"
    }
  },
  "additionalProperties": false
}

Retirement hsa. Numeratica POST /v1/retirement/hsa — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields.

{
  "type": "object",
  "properties": {
    "age": {
      "type": "integer"
    },
    "annual_contribution": {
      "type": "number"
    },
    "coverage": {
      "type": "string"
    },
    "current_balance": {
      "type": "number"
    },
    "expected_return": {
      "type": "number"
    },
    "marginal_rate": {
      "type": "number"
    },
    "months_eligible": {
      "type": "integer"
    },
    "tax_year": {
      "type": "integer"
    },
    "use_last_month_rule": {
      "type": "boolean"
    },
    "years": {
      "type": "integer"
    }
  },
  "additionalProperties": false
}

Monte Carlo retirement projection: probability of not running out of money over a horizon, with percentile balance bands. Deterministic given a seed (returned in the result).

{
  "type": "object",
  "properties": {
    "annual_contribution": {
      "type": "number"
    },
    "annual_fee_rate": {
      "type": "number"
    },
    "annual_spending": {
      "type": "number"
    },
    "assets": {
      "items": {
        "additionalProperties": false,
        "properties": {
          "class": {
            "type": "string"
          },
          "expected_return": {
            "type": "number"
          },
          "return_volatility": {
            "type": "number"
          },
          "weight": {
            "type": "number"
          }
        },
        "type": "object"
      },
      "type": "array"
    },
    "correlations": {
      "items": {
        "items": {
          "type": "number"
        },
        "type": "array"
      },
      "type": "array"
    },
    "current_age": {
      "type": "integer"
    },
    "current_balance": {
      "type": "number"
    },
    "end_age": {
      "type": "integer"
    },
    "expected_return": {
      "type": "number"
    },
    "glide_path": {
      "items": {
        "additionalProperties": false,
        "properties": {
          "age": {
            "type": "integer"
          },
          "expected_return": {
            "type": "number"
          },
          "return_volatility": {
            "type": "number"
          }
        },
        "type": "object"
      },
      "type": "array"
    },
    "guaranteed_income": {
      "items": {
        "additionalProperties": false,
        "properties": {
          "annual_amount": {
            "type": "number"
          },
          "cola": {
            "type": "boolean"
          },
          "end_age": {
            "type": "integer"
          },
          "start_age": {
            "type": "integer"
          }
        },
        "type": "object"
      },
      "type": "array"
    },
    "inflation": {
      "type": "number"
    },
    "num_simulations": {
      "type": "integer"
    },
    "rebalance": {
      "type": "boolean"
    },
    "retirement_age": {
      "type": "integer"
    },
    "return_volatility": {
      "type": "number"
    },
    "seed": {
      "type": "integer"
    },
    "spending_rule": {
      "additionalProperties": false,
      "properties": {
        "cut": {
          "type": "number"
        },
        "final_years_frozen": {
          "type": "integer"
        },
        "guard_lower": {
          "type": "number"
        },
        "guard_upper": {
          "type": "number"
        },
        "initial_rate": {
          "type": "number"
        },
        "raise": {
          "type": "number"
        },
        "type": {
          "type": "string"
        }
      },
      "type": "object"
    }
  },
  "additionalProperties": false
}

Retirement qlac. Numeratica POST /v1/retirement/qlac — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields.

{
  "type": "object",
  "properties": {
    "account_balance": {
      "type": "number"
    },
    "age": {
      "type": "integer"
    },
    "assumed_rate": {
      "type": "number"
    },
    "birth_year": {
      "type": "integer"
    },
    "qlac_premium": {
      "type": "number"
    },
    "sex": {
      "type": "string"
    },
    "start_age": {
      "type": "integer"
    },
    "tax_year": {
      "type": "integer"
    }
  },
  "additionalProperties": false
}

Required Minimum Distribution: prior-year-end balance divided by the IRS distribution period. Uniform Lifetime by default; Single Life (inherited/beneficiary) via table=single.

{
  "type": "object",
  "properties": {
    "account_balance": {
      "type": "number"
    },
    "age": {
      "type": "integer"
    },
    "birth_year": {
      "type": "integer"
    },
    "second_age": {
      "type": "integer"
    },
    "table": {
      "type": "string"
    }
  },
  "additionalProperties": false
}

Retirement savings target. Numeratica POST /v1/retirement/savings-target — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields.

{
  "type": "object",
  "properties": {
    "annual_fee_rate": {
      "type": "number"
    },
    "current_age": {
      "type": "integer"
    },
    "current_savings": {
      "type": "number"
    },
    "end_age": {
      "type": "integer"
    },
    "expected_return": {
      "type": "number"
    },
    "inflation": {
      "type": "number"
    },
    "num_simulations": {
      "type": "integer"
    },
    "other_income": {
      "type": "number"
    },
    "retirement_age": {
      "type": "integer"
    },
    "return_volatility": {
      "type": "number"
    },
    "seed": {
      "type": "integer"
    },
    "success_probability_target": {
      "type": "number"
    },
    "target_annual_income": {
      "type": "number"
    },
    "withdrawal_rate": {
      "type": "number"
    }
  },
  "additionalProperties": false
}

Retirement self employed. Numeratica POST /v1/retirement/self-employed — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields.

{
  "type": "object",
  "properties": {
    "age": {
      "type": "integer"
    },
    "existing_w2_deferrals": {
      "type": "number"
    },
    "net_profit": {
      "type": "number"
    },
    "tax_year": {
      "type": "integer"
    }
  },
  "additionalProperties": false
}

Retirement sepp. Numeratica POST /v1/retirement/sepp — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields.

{
  "type": "object",
  "properties": {
    "account_balance": {
      "type": "number"
    },
    "age": {
      "type": "integer"
    },
    "interest_rate": {
      "type": "number"
    }
  },
  "additionalProperties": false
}

Retirement survivor scenario. Numeratica POST /v1/retirement/survivor-scenario — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields.

{
  "type": "object",
  "properties": {
    "deceased_spouse": {
      "type": "string"
    },
    "on_medicare": {
      "type": "boolean"
    },
    "shared_ordinary_income": {
      "type": "number"
    },
    "spouse_a": {
      "additionalProperties": false,
      "properties": {
        "other_income": {
          "type": "number"
        },
        "social_security": {
          "type": "number"
        }
      },
      "type": "object"
    },
    "spouse_b": {
      "additionalProperties": false,
      "properties": {
        "other_income": {
          "type": "number"
        },
        "social_security": {
          "type": "number"
        }
      },
      "type": "object"
    },
    "tax_year": {
      "type": "integer"
    }
  },
  "additionalProperties": false
}

Retirement withdrawal sequencing. Numeratica POST /v1/retirement/withdrawal-sequencing — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields.

{
  "type": "object",
  "properties": {
    "age": {
      "type": "integer"
    },
    "birth_year": {
      "type": "integer"
    },
    "bracket_ceiling": {
      "type": "number"
    },
    "filing_status": {
      "type": "string"
    },
    "other_ordinary_income": {
      "type": "number"
    },
    "other_qualified_income": {
      "type": "number"
    },
    "spending_need": {
      "type": "number"
    },
    "state_tax_rate": {
      "type": "number"
    },
    "strategy": {
      "type": "string"
    },
    "tax_deferred_balance": {
      "type": "number"
    },
    "tax_free_balance": {
      "type": "number"
    },
    "tax_year": {
      "type": "integer"
    },
    "taxable_balance": {
      "type": "number"
    },
    "taxable_cost_basis_fraction": {
      "type": "number"
    }
  },
  "additionalProperties": false
}

Dynamic retirement spending strategies over Monte Carlo paths: fixed_real, fixed_pct, guardrails (Guyton-Klinger), vpw, floor_and_ceiling. Returns the spending path, success probability, and ending bands.

{
  "type": "object",
  "properties": {
    "annual_fee_rate": {
      "type": "number"
    },
    "ceiling_mult": {
      "type": "number"
    },
    "current_age": {
      "type": "integer"
    },
    "current_balance": {
      "type": "number"
    },
    "end_age": {
      "type": "integer"
    },
    "expected_return": {
      "type": "number"
    },
    "floor_mult": {
      "type": "number"
    },
    "glide_path": {
      "items": {
        "additionalProperties": false,
        "properties": {
          "age": {
            "type": "integer"
          },
          "expected_return": {
            "type": "number"
          },
          "return_volatility": {
            "type": "number"
          }
        },
        "type": "object"
      },
      "type": "array"
    },
    "guard_adjust": {
      "type": "number"
    },
    "guard_width": {
      "type": "number"
    },
    "inflation": {
      "type": "number"
    },
    "initial_rate": {
      "type": "number"
    },
    "num_simulations": {
      "type": "integer"
    },
    "return_volatility": {
      "type": "number"
    },
    "seed": {
      "type": "integer"
    },
    "strategy": {
      "type": "string"
    },
    "vpw_real_return": {
      "type": "number"
    }
  },
  "additionalProperties": false
}

Multi-year Roth conversion ladder (bracket-fill, IRMAA-aware) vs. a no-conversion baseline, with a year-by-year schedule and after-tax comparison. Optional pay-tax-from-external-funds.

{
  "type": "object",
  "properties": {
    "annual_return": {
      "type": "number"
    },
    "birth_year": {
      "type": "integer"
    },
    "conversion_end_age": {
      "type": "integer"
    },
    "current_age": {
      "type": "integer"
    },
    "end_age": {
      "type": "integer"
    },
    "external_return": {
      "type": "number"
    },
    "external_taxable_balance": {
      "type": "number"
    },
    "filing_status": {
      "type": "string"
    },
    "irmaa_tier_cap": {
      "type": "integer"
    },
    "other_ordinary_income": {
      "type": "number"
    },
    "pay_tax_from_external": {
      "type": "boolean"
    },
    "roth_balance": {
      "type": "number"
    },
    "state_tax_rate": {
      "type": "number"
    },
    "target_bracket": {
      "type": "number"
    },
    "tax_deferred_balance": {
      "type": "number"
    },
    "tax_year": {
      "type": "integer"
    }
  },
  "additionalProperties": false
}

Roth vs traditional. Numeratica POST /v1/roth-vs-traditional — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields.

{
  "type": "object",
  "properties": {
    "annual_contribution": {
      "type": "number"
    },
    "capital_gains_rate": {
      "type": "number"
    },
    "current_marginal_rate": {
      "type": "number"
    },
    "expected_return": {
      "type": "number"
    },
    "invest_tax_savings": {
      "type": "boolean"
    },
    "retirement_marginal_rate": {
      "type": "number"
    },
    "years": {
      "type": "integer"
    }
  },
  "additionalProperties": false
}

Savings waterfall. Numeratica POST /v1/savings-waterfall — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields.

{
  "type": "object",
  "properties": {
    "age": {
      "type": "integer"
    },
    "annual_savings": {
      "type": "number"
    },
    "compensation": {
      "type": "number"
    },
    "covered_by_workplace_plan": {
      "type": "boolean"
    },
    "employer_match_cap_pct": {
      "type": "number"
    },
    "employer_match_rate": {
      "type": "number"
    },
    "filing_status": {
      "type": "string"
    },
    "hsa_coverage": {
      "type": "string"
    },
    "magi": {
      "type": "number"
    },
    "prior_year_wages": {
      "type": "number"
    },
    "tax_year": {
      "type": "integer"
    }
  },
  "additionalProperties": false
}

Social Security claiming analysis (ages 62-70): monthly/lifetime benefit, breakeven, optimal claim age. Optional earnings test, spousal/survivor/divorced household, and COLA.

{
  "type": "object",
  "properties": {
    "annual_earnings": {
      "type": "number"
    },
    "birth_year": {
      "type": "integer"
    },
    "claim_age": {
      "type": "integer"
    },
    "cola_rate": {
      "type": "number"
    },
    "discount_rate": {
      "type": "number"
    },
    "earnings_test_year": {
      "type": "integer"
    },
    "longevity_age": {
      "type": "integer"
    },
    "pia_monthly": {
      "type": "number"
    },
    "spouse": {
      "additionalProperties": false,
      "properties": {
        "birth_year": {
          "type": "integer"
        },
        "claim_age": {
          "type": "integer"
        },
        "divorced": {
          "type": "boolean"
        },
        "pia_monthly": {
          "type": "number"
        }
      },
      "type": "object"
    },
    "survivor_claim_age": {
      "type": "integer"
    }
  },
  "additionalProperties": false
}

Social security couple claim. Numeratica POST /v1/social-security/couple-claim — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields.

{
  "type": "object",
  "properties": {
    "discount_rate": {
      "type": "number"
    },
    "spouse_a": {
      "additionalProperties": false,
      "properties": {
        "birth_year": {
          "type": "integer"
        },
        "current_age": {
          "type": "integer"
        },
        "health_adjustment": {
          "type": "number"
        },
        "pia_monthly": {
          "type": "number"
        },
        "sex": {
          "type": "string"
        }
      },
      "type": "object"
    },
    "spouse_b": {
      "additionalProperties": false,
      "properties": {
        "birth_year": {
          "type": "integer"
        },
        "current_age": {
          "type": "integer"
        },
        "health_adjustment": {
          "type": "number"
        },
        "pia_monthly": {
          "type": "number"
        },
        "sex": {
          "type": "string"
        }
      },
      "type": "object"
    }
  },
  "additionalProperties": false
}

Tax asset location. Numeratica POST /v1/tax/asset-location — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields.

{
  "type": "object",
  "properties": {
    "assets": {
      "items": {
        "additionalProperties": false,
        "properties": {
          "amount": {
            "type": "number"
          },
          "expected_return": {
            "type": "number"
          },
          "name": {
            "type": "string"
          },
          "qualified_pct": {
            "type": "number"
          },
          "turnover": {
            "type": "number"
          },
          "yield": {
            "type": "number"
          }
        },
        "type": "object"
      },
      "type": "array"
    },
    "filing_status": {
      "type": "string"
    },
    "tax_advantaged_balance": {
      "type": "number"
    },
    "tax_year": {
      "type": "integer"
    },
    "taxable_balance": {
      "type": "number"
    },
    "taxable_income": {
      "type": "number"
    }
  },
  "additionalProperties": false
}

Tax bracket room. Numeratica POST /v1/tax/bracket-room — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields.

{
  "type": "object",
  "properties": {
    "filing_status": {
      "type": "string"
    },
    "tax_year": {
      "type": "integer"
    },
    "taxable_income": {
      "type": "number"
    }
  },
  "additionalProperties": false
}

Federal income tax estimate (2025/2026): ordinary brackets, standard/itemized deduction, LTCG stacking, NIIT, Additional Medicare; optional AMT (include_amt) and real per-state tax via the state field. filing_status is one of single/mfj/mfs/hoh.

{
  "type": "object",
  "properties": {
    "adoption_expenses": {
      "type": "number"
    },
    "adoption_special_needs": {
      "type": "boolean"
    },
    "aged_blind_count": {
      "type": "integer"
    },
    "amt_preference_items": {
      "type": "number"
    },
    "aotc_student_expenses": {
      "items": {
        "type": "number"
      },
      "type": "array"
    },
    "charitable_contributions": {
      "type": "number"
    },
    "dependent_care_count": {
      "type": "integer"
    },
    "dependent_care_expenses": {
      "type": "number"
    },
    "eitc_qualifying_children": {
      "type": "integer"
    },
    "filing_status": {
      "type": "string"
    },
    "force_itemize": {
      "type": "boolean"
    },
    "include_amt": {
      "type": "boolean"
    },
    "include_credits": {
      "type": "boolean"
    },
    "include_itemized_limit": {
      "type": "boolean"
    },
    "include_qbi": {
      "type": "boolean"
    },
    "itemized_deductions": {
      "type": "number"
    },
    "llc_expenses": {
      "type": "number"
    },
    "net_investment_income": {
      "type": "number"
    },
    "ordinary_income": {
      "type": "number"
    },
    "other_dependents": {
      "type": "integer"
    },
    "qbi": {
      "type": "number"
    },
    "qbi_is_sstb": {
      "type": "boolean"
    },
    "qbi_reit_ptp_dividends": {
      "type": "number"
    },
    "qbi_ubia": {
      "type": "number"
    },
    "qbi_w2_wages": {
      "type": "number"
    },
    "qualified_income": {
      "type": "number"
    },
    "qualifying_children": {
      "type": "integer"
    },
    "retirement_contributions": {
      "type": "number"
    },
    "salt_paid": {
      "type": "number"
    },
    "senior_count": {
      "type": "integer"
    },
    "social_security_income": {
      "type": "number"
    },
    "state": {
      "type": "string"
    },
    "state_tax_rate": {
      "type": "number"
    },
    "state_taxable_income": {
      "type": "number"
    },
    "tax_year": {
      "type": "integer"
    },
    "wages": {
      "type": "number"
    }
  },
  "additionalProperties": false
}

Tax estimated tax. Numeratica POST /v1/tax/estimated-tax — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields.

{
  "type": "object",
  "properties": {
    "estimated_payments": {
      "items": {
        "type": "number"
      },
      "type": "array"
    },
    "filing_status": {
      "type": "string"
    },
    "prior_year_agi": {
      "type": "number"
    },
    "prior_year_tax": {
      "type": "number"
    },
    "projected_current_tax": {
      "type": "number"
    },
    "tax_year": {
      "type": "integer"
    },
    "underpayment_rate": {
      "type": "number"
    },
    "withholding": {
      "type": "number"
    }
  },
  "additionalProperties": false
}

Tax filing status. Numeratica POST /v1/tax/filing-status — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields.

{
  "type": "object",
  "properties": {
    "spouse_a": {
      "additionalProperties": false,
      "properties": {
        "itemized_deductions": {
          "type": "number"
        },
        "ordinary_income": {
          "type": "number"
        },
        "qualified_income": {
          "type": "number"
        },
        "wages": {
          "type": "number"
        }
      },
      "type": "object"
    },
    "spouse_b": {
      "additionalProperties": false,
      "properties": {
        "itemized_deductions": {
          "type": "number"
        },
        "ordinary_income": {
          "type": "number"
        },
        "qualified_income": {
          "type": "number"
        },
        "wages": {
          "type": "number"
        }
      },
      "type": "object"
    },
    "tax_year": {
      "type": "integer"
    }
  },
  "additionalProperties": false
}

Tax gain harvesting. Numeratica POST /v1/tax/gain-harvesting — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields.

{
  "type": "object",
  "properties": {
    "filing_status": {
      "type": "string"
    },
    "magi": {
      "type": "number"
    },
    "realize_amount": {
      "type": "number"
    },
    "tax_year": {
      "type": "integer"
    },
    "taxable_income": {
      "type": "number"
    }
  },
  "additionalProperties": false
}

Tax liquidation schedule. Numeratica POST /v1/tax/liquidation-schedule — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields.

{
  "type": "object",
  "properties": {
    "cost_basis": {
      "type": "number"
    },
    "filing_status": {
      "type": "string"
    },
    "growth_rate": {
      "type": "number"
    },
    "horizon_years": {
      "type": "integer"
    },
    "market_value": {
      "type": "number"
    },
    "max_annual_gain": {
      "type": "number"
    },
    "objective": {
      "type": "string"
    },
    "other_ltcg": {
      "type": "number"
    },
    "other_ordinary_income": {
      "type": "number"
    },
    "state_tax_rate": {
      "type": "number"
    },
    "tax_year": {
      "type": "integer"
    }
  },
  "additionalProperties": false
}

Tax marginal map. Numeratica POST /v1/tax/marginal-map — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields.

{
  "type": "object",
  "properties": {
    "benchmark_annual_premium": {
      "type": "number"
    },
    "filing_status": {
      "type": "string"
    },
    "household_size": {
      "type": "integer"
    },
    "include_aca": {
      "type": "boolean"
    },
    "include_irmaa": {
      "type": "boolean"
    },
    "medicare_beneficiaries": {
      "type": "integer"
    },
    "ordinary_income": {
      "type": "number"
    },
    "qualified_income": {
      "type": "number"
    },
    "social_security_benefits": {
      "type": "number"
    },
    "state": {
      "type": "string"
    },
    "sweep_start": {
      "type": "number"
    },
    "sweep_step": {
      "type": "number"
    },
    "sweep_stop": {
      "type": "number"
    },
    "sweep_variable": {
      "type": "string"
    },
    "tax_exempt_interest": {
      "type": "number"
    },
    "tax_year": {
      "type": "integer"
    }
  },
  "additionalProperties": false
}

Tax qcd plan. Numeratica POST /v1/tax/qcd-plan — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields.

{
  "type": "object",
  "properties": {
    "age": {
      "type": "integer"
    },
    "birth_year": {
      "type": "integer"
    },
    "filing_status": {
      "type": "string"
    },
    "intended_gift": {
      "type": "number"
    },
    "ira_balance": {
      "type": "number"
    },
    "medicare_beneficiaries": {
      "type": "integer"
    },
    "ordinary_income": {
      "type": "number"
    },
    "other_itemized": {
      "type": "number"
    },
    "qualified_income": {
      "type": "number"
    },
    "social_security_benefits": {
      "type": "number"
    },
    "tax_exempt_interest": {
      "type": "number"
    },
    "tax_year": {
      "type": "integer"
    }
  },
  "additionalProperties": false
}

Tax qsbs exclusion. Numeratica POST /v1/tax/qsbs-exclusion — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields.

{
  "type": "object",
  "properties": {
    "acquisition_date": {
      "type": "string"
    },
    "basis": {
      "type": "number"
    },
    "filing_status": {
      "type": "string"
    },
    "gain": {
      "type": "number"
    },
    "gross_assets_at_issuance": {
      "type": "number"
    },
    "holding_period_years": {
      "type": "number"
    },
    "other_income": {
      "type": "number"
    },
    "tax_year": {
      "type": "integer"
    }
  },
  "additionalProperties": false
}

Tax s corp salary. Numeratica POST /v1/tax/s-corp-salary — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields.

{
  "type": "object",
  "properties": {
    "business_net_income": {
      "type": "number"
    },
    "filing_status": {
      "type": "string"
    },
    "max_salary": {
      "type": "number"
    },
    "other_income": {
      "type": "number"
    },
    "reasonable_comp_floor": {
      "type": "number"
    },
    "sstb": {
      "type": "boolean"
    },
    "state_tax_rate": {
      "type": "number"
    },
    "tax_year": {
      "type": "integer"
    },
    "ubia": {
      "type": "number"
    }
  },
  "additionalProperties": false
}

Tax social security benefits. Numeratica POST /v1/tax/social-security-benefits — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields.

{
  "type": "object",
  "properties": {
    "filing_status": {
      "type": "string"
    },
    "marginal_ordinary_rate": {
      "type": "number"
    },
    "other_income": {
      "type": "number"
    },
    "social_security_benefits": {
      "type": "number"
    },
    "tax_exempt_interest": {
      "type": "number"
    }
  },
  "additionalProperties": false
}

Tax state income. Numeratica POST /v1/tax/state-income — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields.

{
  "type": "object",
  "properties": {
    "age": {
      "type": "integer"
    },
    "filing_status": {
      "type": "string"
    },
    "pension_income": {
      "type": "number"
    },
    "social_security_income": {
      "type": "number"
    },
    "state": {
      "type": "string"
    },
    "state_taxable_income": {
      "type": "number"
    },
    "tax_year": {
      "type": "integer"
    }
  },
  "additionalProperties": false
}

Tax survivor transition. Numeratica POST /v1/tax/survivor-transition — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields.

{
  "type": "object",
  "properties": {
    "conversion_amount": {
      "type": "number"
    },
    "ordinary_income": {
      "type": "number"
    },
    "qualified_income": {
      "type": "number"
    },
    "social_security_higher": {
      "type": "number"
    },
    "social_security_lower": {
      "type": "number"
    },
    "survivor_ordinary_income": {
      "type": "number"
    },
    "tax_exempt_interest": {
      "type": "number"
    },
    "tax_year": {
      "type": "integer"
    }
  },
  "additionalProperties": false
}

Tax tlh benefit. Numeratica POST /v1/tax/tlh-benefit — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields.

{
  "type": "object",
  "properties": {
    "filing_status": {
      "type": "string"
    },
    "growth_rate": {
      "type": "number"
    },
    "harvestable_loss": {
      "type": "number"
    },
    "offsettable_gains": {
      "type": "number"
    },
    "reinvestment_years": {
      "type": "number"
    },
    "tax_year": {
      "type": "integer"
    },
    "taxable_income": {
      "type": "number"
    }
  },
  "additionalProperties": false
}

Tax w4 checkup. Numeratica POST /v1/tax/w4-checkup — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields.

{
  "type": "object",
  "properties": {
    "pay_periods_remaining": {
      "type": "integer"
    },
    "per_paycheck_withholding": {
      "type": "number"
    },
    "prior_year_agi": {
      "type": "number"
    },
    "prior_year_tax": {
      "type": "number"
    },
    "tax": {
      "additionalProperties": false,
      "properties": {
        "adoption_expenses": {
          "type": "number"
        },
        "adoption_special_needs": {
          "type": "boolean"
        },
        "aged_blind_count": {
          "type": "integer"
        },
        "amt_preference_items": {
          "type": "number"
        },
        "aotc_student_expenses": {
          "items": {
            "type": "number"
          },
          "type": "array"
        },
        "charitable_contributions": {
          "type": "number"
        },
        "dependent_care_count": {
          "type": "integer"
        },
        "dependent_care_expenses": {
          "type": "number"
        },
        "eitc_qualifying_children": {
          "type": "integer"
        },
        "filing_status": {
          "type": "string"
        },
        "force_itemize": {
          "type": "boolean"
        },
        "include_amt": {
          "type": "boolean"
        },
        "include_credits": {
          "type": "boolean"
        },
        "include_itemized_limit": {
          "type": "boolean"
        },
        "include_qbi": {
          "type": "boolean"
        },
        "itemized_deductions": {
          "type": "number"
        },
        "llc_expenses": {
          "type": "number"
        },
        "net_investment_income": {
          "type": "number"
        },
        "ordinary_income": {
          "type": "number"
        },
        "other_dependents": {
          "type": "integer"
        },
        "qbi": {
          "type": "number"
        },
        "qbi_is_sstb": {
          "type": "boolean"
        },
        "qbi_reit_ptp_dividends": {
          "type": "number"
        },
        "qbi_ubia": {
          "type": "number"
        },
        "qbi_w2_wages": {
          "type": "number"
        },
        "qualified_income": {
          "type": "number"
        },
        "qualifying_children": {
          "type": "integer"
        },
        "retirement_contributions": {
          "type": "number"
        },
        "salt_paid": {
          "type": "number"
        },
        "senior_count": {
          "type": "integer"
        },
        "state_tax_rate": {
          "type": "number"
        },
        "tax_year": {
          "type": "integer"
        },
        "wages": {
          "type": "number"
        }
      },
      "type": "object"
    },
    "ytd_withheld": {
      "type": "number"
    }
  },
  "additionalProperties": false
}

Tvm. Numeratica POST /v1/tvm — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields.

{
  "type": "object",
  "properties": {
    "fv": {
      "type": "number"
    },
    "nper": {
      "type": "number"
    },
    "payments_at_beginning": {
      "type": "boolean"
    },
    "pmt": {
      "type": "number"
    },
    "pv": {
      "type": "number"
    },
    "rate": {
      "type": "number"
    },
    "solve_for": {
      "type": "string"
    }
  },
  "additionalProperties": false
}