Numeratica — financial planning calculations
Deterministic US financial planning: retirement Monte Carlo, Roth conversion, RMD, tax, IRMAA, SS
我该使用它吗
质量与安全性
发现（67）
- LOWTool 'annuity' description lacks action verb在 annuity 中
- LOWTool 'benefits_dependent_care' description lacks action verb在 benefits_dependent_care 中
- LOWTool 'benefits_health_plan' description lacks action verb在 benefits_health_plan 中
- LOWTool 'cashflow_npv_irr' description lacks action verb在 cashflow_npv_irr 中
- LOWTool 'college_savings' description lacks action verb在 college_savings 中
- LOWTool 'contribution_limits' description lacks action verb在 contribution_limits 中
- LOWTool 'debt_payoff' description lacks action verb在 debt_payoff 中
- LOWTool 'debt_vs_invest' description lacks action verb在 debt_vs_invest 中
- LOWTool 'education_529_to_roth' description lacks action verb在 education_529_to_roth 中
- LOWTool 'education_aid_estimate' description lacks action verb在 education_aid_estimate 中
基于对工具定义和协议合规性的自动分析。
上下文开销
这是每次将服务器的工具加载到模型上下文窗口时所消耗的大致 token 数。数值越高，可用于其他任务的注意力就越少。
安装
一键安装
将以下内容添加到你的 `claude_desktop_config.json` 文件中：
{
"mcpServers": {
"mcp": {
"command": "npx",
"args": [
"@numeratica/mcp"
]
}
}
}可运行的软件包
0.1.5stdio远程端点
https://api.numeratica.com/mcpstreamable-http它能做什么
工具清单
工具（76）
🟡annuity(age, assumed_rate, payout_type, period_certain_years, premium, ...)
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.
输入模式
{
"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(dependent_care_expenses, filing_status, fsa_contribution_limit, marginal_tax_rate, ordinary_income, ...)
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.
输入模式
{
"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(employer_hsa_seed, expected_medical_spend, hdhp, hsa_contribution, marginal_tax_rate, ...)
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.
输入模式
{
"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(assets, correlation, default_correlation)
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.
输入模式
{
"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(cashflows, dated_cashflows, rate)
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.
输入模式
{
"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(annual_cost_today, college_start_age, current_child_age, current_savings, expected_return, ...)
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.
输入模式
{
"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(age, compensation, elective_deferral_ytd, employer_match_cap_pct, employer_match_rate, ...)
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.
输入模式
{
"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(debts, monthly_budget, strategy)
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.
输入模式
{
"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(annual_fee_rate, expected_return, extra_monthly, horizon_years, interest_deductible, ...)
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.
输入模式
{
"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(account_age_years, balance, beneficiary_age, beneficiary_earned_income, lifetime_rolled_already, ...)
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.
输入模式
{
"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(award_year, cost_of_attendance, family_size, parent2_earned_income, parent_agi, ...)
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.
输入模式
{
"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(agi, dependents, family_size, guideline_year, interest_rate, ...)
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.
输入模式
{
"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(discount_rate, federal, refi_rate, refi_term_months)
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.
输入模式
{
"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(discount_pct, offering_date_price, purchase_date_price, sale_price, shares)
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.
输入模式
{
"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(filing_status, fmv_at_exercise, ordinary_income, other_amt_preference_items, sale_price, ...)
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.
输入模式
{
"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(filing_status, fmv_at_exercise, ordinary_income, other_amt_preference_items, strike_price, ...)
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.
输入模式
{
"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(annual_amt_budget, annual_fmv_growth, annual_income_growth, annual_ordinary_income, filing_status, ...)
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.
输入模式
{
"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(filing_status, fmv_at_exercise, other_ordinary_income, shares, strike_price, ...)
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.
输入模式
{
"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(cost_basis, discount_rate, filing_status, growth_rate, ltcg_rate, ...)
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.
输入模式
{
"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(filing_status, fmv_at_vest, other_ordinary_income, shares, tax_year)
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.
输入模式
{
"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(filing_status, fmv_at_grant, fmv_at_vest, other_ordinary_income, price_paid, ...)
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.
输入模式
{
"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(annual_return, contributions_at_beginning, current_savings, periods_per_year, target_amount, ...)
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.
输入模式
{
"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(age, base_income, benchmark_annual_premium, deferred_balance, filing_status, ...)
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.
输入模式
{
"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(age, benchmark_annual_premium, coverage_year, filing_status, household_size, ...)
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.
输入模式
{
"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(amount, annual_rate, direction, years)
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.
输入模式
{
"type": "object",
"properties": {
"amount": {
"type": "number"
},
"annual_rate": {
"type": "number"
},
"direction": {
"type": "string"
},
"years": {
"type": "integer"
}
},
"additionalProperties": false
}🟡inherited_ira(account_growth_rate, annual_rmd_floor, filing_status, inherited_balance, other_income, ...)
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.
输入模式
{
"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(employer_group_fraction, employer_group_monthly_max, employer_paid_premium, essential_monthly_expenses, gross_annual_income, ...)
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.
输入模式
{
"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(annual_income, debts, education_fund, effective_tax_rate, emergency_fund, ...)
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.
输入模式
{
"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(annual_care_cost_today, annual_premium, care_cost_inflation, care_duration_years, care_start_age, ...)
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.
输入模式
{
"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(age, compensation, covered_by_workplace_plan, elective_deferral, employer_contributions, ...)
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.
输入模式
{
"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(annual_rate, extra_monthly_payment, include_schedule, principal, term_months)
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.
输入模式
{
"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(age, health_adjustment, second_age, second_health_adjustment, second_sex, ...)
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.
输入模式
{
"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(filing_status, irmaa_year, magi)
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.
输入模式
{
"type": "object",
"properties": {
"filing_status": {
"type": "string"
},
"irmaa_year": {
"type": "integer"
},
"magi": {
"type": "number"
}
},
"additionalProperties": false
}🟡medicare_late_enrollment_penalty(part_b_months_late, part_d_months_late, projection_years, year)
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.
输入模式
{
"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(annual_income, back_end_dti, down_payment, front_end_dti, hoa_monthly, ...)
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.
输入模式
{
"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(base_rate, buydown_rate, loan_amount, points, term_months)
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.
输入模式
{
"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(closing_costs, current_balance, current_rate, current_remaining_months, new_rate, ...)
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.
输入模式
{
"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(closing_cost_rate, down_payment, hoa_monthly, holding_period_months, home_appreciation, ...)
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.
输入模式
{
"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(investment_return, loan_amount, long_rate, long_term_months, short_rate, ...)
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.
输入模式
{
"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(cola_rate, current_age, discount_rate, end_age, lump_sum_offer, ...)
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.
输入模式
{
"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(current_age, end_age, end_equity, equity_ceiling, equity_floor, ...)
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.
输入模式
{
"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(band, holdings, new_contribution, tax_aware, withdrawal)
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.
输入模式
{
"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(accounts, annual_fee_rate, current_age, employer_match_limit, employer_match_rate, ...)
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.
输入模式
{
"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(age, conversion_amount, elective_deferrals, employer_contributions, existing_basis, ...)
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.
输入模式
{
"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(age, annual_contribution, coverage, current_balance, expected_return, ...)
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.
输入模式
{
"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
}⚪retirement_monte_carlo(annual_contribution, annual_fee_rate, annual_spending, assets, correlations, ...)
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).
输入模式
{
"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(account_balance, age, assumed_rate, birth_year, qlac_premium, ...)
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.
输入模式
{
"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
}⚪retirement_rmd(account_balance, age, birth_year, second_age, table)
Required Minimum Distribution: prior-year-end balance divided by the IRS distribution period. Uniform Lifetime by default; Single Life (inherited/beneficiary) via table=single.
输入模式
{
"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(annual_fee_rate, current_age, current_savings, end_age, expected_return, ...)
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.
输入模式
{
"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(age, existing_w2_deferrals, net_profit, tax_year)
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.
输入模式
{
"type": "object",
"properties": {
"age": {
"type": "integer"
},
"existing_w2_deferrals": {
"type": "number"
},
"net_profit": {
"type": "number"
},
"tax_year": {
"type": "integer"
}
},
"additionalProperties": false
}🟡retirement_sepp(account_balance, age, interest_rate)
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.
输入模式
{
"type": "object",
"properties": {
"account_balance": {
"type": "number"
},
"age": {
"type": "integer"
},
"interest_rate": {
"type": "number"
}
},
"additionalProperties": false
}🟡retirement_survivor_scenario(deceased_spouse, on_medicare, shared_ordinary_income, spouse_a, spouse_b, ...)
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.
输入模式
{
"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(age, birth_year, bracket_ceiling, filing_status, other_ordinary_income, ...)
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.
输入模式
{
"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
}⚪retirement_withdrawal_strategy(annual_fee_rate, ceiling_mult, current_age, current_balance, end_age, ...)
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.
输入模式
{
"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
}⚪roth_conversion(annual_return, birth_year, conversion_end_age, current_age, end_age, ...)
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.
输入模式
{
"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(annual_contribution, capital_gains_rate, current_marginal_rate, expected_return, invest_tax_savings, ...)
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.
输入模式
{
"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(age, annual_savings, compensation, covered_by_workplace_plan, employer_match_cap_pct, ...)
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.
输入模式
{
"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(annual_earnings, birth_year, claim_age, cola_rate, discount_rate, ...)
Social Security claiming analysis (ages 62-70): monthly/lifetime benefit, breakeven, optimal claim age. Optional earnings test, spousal/survivor/divorced household, and COLA.
输入模式
{
"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(discount_rate, spouse_a, spouse_b)
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.
输入模式
{
"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(assets, filing_status, tax_advantaged_balance, tax_year, taxable_balance, ...)
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.
输入模式
{
"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(filing_status, tax_year, taxable_income)
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.
输入模式
{
"type": "object",
"properties": {
"filing_status": {
"type": "string"
},
"tax_year": {
"type": "integer"
},
"taxable_income": {
"type": "number"
}
},
"additionalProperties": false
}⚪tax_estimate(adoption_expenses, adoption_special_needs, aged_blind_count, amt_preference_items, aotc_student_expenses, ...)
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.
输入模式
{
"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(estimated_payments, filing_status, prior_year_agi, prior_year_tax, projected_current_tax, ...)
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.
输入模式
{
"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(spouse_a, spouse_b, tax_year)
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.
输入模式
{
"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(filing_status, magi, realize_amount, tax_year, taxable_income)
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.
输入模式
{
"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(cost_basis, filing_status, growth_rate, horizon_years, market_value, ...)
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.
输入模式
{
"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(benchmark_annual_premium, filing_status, household_size, include_aca, include_irmaa, ...)
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.
输入模式
{
"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(age, birth_year, filing_status, intended_gift, ira_balance, ...)
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.
输入模式
{
"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(acquisition_date, basis, filing_status, gain, gross_assets_at_issuance, ...)
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.
输入模式
{
"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(business_net_income, filing_status, max_salary, other_income, reasonable_comp_floor, ...)
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.
输入模式
{
"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(filing_status, marginal_ordinary_rate, other_income, social_security_benefits, tax_exempt_interest)
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.
输入模式
{
"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(age, filing_status, pension_income, social_security_income, state, ...)
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.
输入模式
{
"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(conversion_amount, ordinary_income, qualified_income, social_security_higher, social_security_lower, ...)
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.
输入模式
{
"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(filing_status, growth_rate, harvestable_loss, offsettable_gains, reinvestment_years, ...)
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.
输入模式
{
"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(pay_periods_remaining, per_paycheck_withholding, prior_year_agi, prior_year_tax, tax, ...)
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.
输入模式
{
"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(fv, nper, payments_at_beginning, pmt, pv, ...)
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.
输入模式
{
"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
}社区
证据