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Numeratica — financial planning calculations

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Deterministic US financial planning: retirement Monte Carlo, Roth conversion, RMD, tax, IRMAA, SS

Finance & Payments

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annuity

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.

ageinteger

sexstring

premiumnumber

start_ageinteger

second_ageinteger

second_sexstring

payout_typestring

assumed_ratenumber

survivor_pctnumber

target_incomenumber

period_certain_yearsinteger

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Numeratica — financial planning calculations MCP server | mcptry

Numeratica — financial planning calculations

Working · 1.4 s

com.numeratica/mcpv0.1.5 Domain verified

Deterministic US financial planning: retirement Monte Carlo, Roth conversion, RMD, tax, IRMAA, SS

Finance & Payments

Source Website Registry entry

Maintain this server? Claim it

Try it

Call this server's tools from your browser. Nothing to install.

https://api.numeratica.com/mcp

Authorization (required)

Requests go through mcptry because browsers can't call most MCP servers directly. Header values are sent to the server for that request only and are never stored or logged.

Tool list from our last check. Connect live to refresh it.

annuity

ageinteger

sexstring

premiumnumber

start_ageinteger

second_ageinteger

second_sexstring

payout_typestring

assumed_ratenumber

survivor_pctnumber

target_incomenumber

period_certain_yearsinteger

This tool isn't marked read-only, so it may change something on the server or in an account you connected.

I understand, run it anyway

Tools (76)

annuity

Argument	Type	Description
age	integer
sex	string
premium	number
start_age	integer
second_age	integer
second_sex	string
payout_type	string
assumed_rate	number
survivor_pct	number
target_income	number
period_certain_years	integer

Input schema (JSON)

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

benefits_dependent_care

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.

Argument	Type	Description
tax_year	integer
filing_status	string
ordinary_income	number
qualifying_count	integer
marginal_tax_rate	number
fsa_contribution_limit	number
dependent_care_expenses	number

Input schema (JSON)

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

benefits_health_plan

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.

Argument	Type	Description
ppo	object
hdhp	object
hsa_contribution	number
employer_hsa_seed	number
marginal_tax_rate	number
ppo_fsa_contribution	number
expected_medical_spend	number

Input schema (JSON)

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

capital_market_assumptions

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.

Argument	Type	Description
assets	array
correlation	array
default_correlation	number

Input schema (JSON)

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

cashflow_npv_irr

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.

Argument	Type	Description
rate	number
cashflows	array
dated_cashflows	array

Input schema (JSON)

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

college_savings

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.

Argument	Type	Description
current_savings	number
expected_return	number
years_in_college	integer
annual_cost_today	number
college_start_age	integer
current_child_age	integer
tuition_inflation	number

Input schema (JSON)

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

contribution_limits

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.

Argument	Type	Description
age	integer
tax_year	integer
compensation	number
hsa_coverage	string
prior_year_wages	number
employer_match_rate	number
hsa_contribution_ytd	number
ira_contribution_ytd	number
elective_deferral_ytd	number
employer_match_cap_pct	number

Input schema (JSON)

debt_payoff

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.

Argument	Type	Description
debts	array
strategy	string
monthly_budget	number

Input schema (JSON)

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

debt_vs_invest

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.

Argument	Type	Description
seed	integer
loan_balance	number
extra_monthly	number
horizon_years	integer
marginal_rate	number
annual_fee_rate	number
expected_return	number
num_simulations	integer
loan_annual_rate	number
return_volatility	number
interest_deductible	boolean

education_529_to_roth

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.

Argument	Type	Description
year	integer
balance	number
beneficiary_age	integer
account_age_years	integer
recent_contributions	number
lifetime_rolled_already	number
other_ira_contributions	number
beneficiary_earned_income	number

Input schema (JSON)

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

education_aid_estimate

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.

Argument	Type	Description
award_year	integer
parent_agi	number
family_size	integer
student_agi	number
single_parent	boolean
student_assets	number
cost_of_attendance	number
parent_cash_savings	number
parent_earned_income	number
parent_filing_status	string
parent2_earned_income

education_student_loan

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.

Argument	Type	Description
agi	number
state	string
dependents	integer
family_size	integer
loan_balance	number
interest_rate	number
pursuing_pslf	boolean
guideline_year	integer
loan_before_2014	boolean
standard_term_months	integer

Input schema (JSON)

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

education_student_loan_refi

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.

Argument	Type	Description
federal	object
refi_rate	number
discount_rate	number
refi_term_months	integer

Input schema (JSON)

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

equity_comp_espp

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.

Argument	Type	Description
shares	number
sale_price	number
discount_pct	number
offering_date_price	number
purchase_date_price	number

Input schema (JSON)

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

equity_comp_iso

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.

Argument	Type	Description
shares	number
tax_year	integer
sale_price	number
strike_price	number
filing_status	string
fmv_at_exercise	number
ordinary_income	number
other_amt_preference_items	number

Input schema (JSON)

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

equity_comp_iso_amt_capacity

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.

Argument	Type	Description
tax_year	integer
strike_price	number
filing_status	string
fmv_at_exercise	number
ordinary_income	number
other_amt_preference_items	number

Input schema (JSON)

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

equity_comp_iso_schedule

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.

Argument	Type	Description
tax_year	integer
fmv_at_start	number
strike_price	number
total_shares	number
filing_status	string
horizon_years	integer
annual_amt_budget	number
annual_fmv_growth	number
annual_income_growth	number
annual_ordinary_income	number

Input schema (JSON)

equity_comp_nso

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.

Argument	Type	Description
shares	number
tax_year	integer
strike_price	number
filing_status	string
fmv_at_exercise	number
other_ordinary_income	number

Input schema (JSON)

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

equity_comp_nua

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.

Argument	Type	Description
tax_year	integer
ltcg_rate	number
cost_basis	number
sale_price	number
growth_rate	number
market_value	number
discount_rate	number
filing_status	string
years_to_sale	integer
marginal_ordinary_rate	number

Input schema (JSON)

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

equity_comp_rsu

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.

Argument	Type	Description
shares	number
tax_year	integer
fmv_at_vest	number
filing_status	string
other_ordinary_income	number

Input schema (JSON)

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

equity_comp_section_83b

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.

Argument	Type	Description
shares	number
tax_year	integer
price_paid	number
fmv_at_vest	number
fmv_at_grant	number
filing_status	string
other_ordinary_income	number

Input schema (JSON)

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

goal_funding

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.

Argument	Type	Description
years	number
annual_return	number
target_amount	number
current_savings	number
periods_per_year	integer
contributions_at_beginning	boolean

Input schema (JSON)

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

healthcare_aca_optimize

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.

Argument	Type	Description
age	integer
state	string
tax_year	integer
base_income	number
roth_balance	number
filing_status	string
spending_need	number
household_size	integer
taxable_balance	number
deferred_balance	number
tax_exempt_interest	number

healthcare_costs

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.

Argument	Type	Description
age	integer
magi	number
state	string
coverage_year	integer
filing_status	string
household_size	integer
benchmark_annual_premium	number

Input schema (JSON)

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

inflation_adjust

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.

Argument	Type	Description
years	integer
amount	number
direction	string
annual_rate	number

Input schema (JSON)

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

inherited_ira

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.

Argument	Type	Description
years	integer
tax_year	integer
other_income	number
filing_status	string
target_bracket	number
annual_rmd_floor	number
inherited_balance	number
account_growth_rate	number
other_income_schedule	array

Input schema (JSON)

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

insurance_disability_needs

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.

Argument	Type	Description
marginal_tax_rate	number
ssdi_offsets_group	boolean
gross_annual_income	number
ssdi_monthly_benefit	number
employer_paid_premium	boolean
employer_group_fraction	number
employer_group_monthly_max	number
essential_monthly_expenses	number
individual_monthly_benefit	number
target_replacement_fraction	number

insurance_life_needs

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.

Argument	Type	Description
debts	number
real_return	number
annual_income	number
education_fund	number
emergency_fund	number
final_expenses	number
existing_assets	number
mortgage_balance	number
effective_tax_rate	number
years_to_retirement	integer
income_replace_years

insurance_long_term_care

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.

Argument	Type	Description
current_age	integer
discount_rate	number
premium_years	integer
annual_premium	number
care_start_age	integer
care_cost_inflation	number
care_duration_years	integer
policy_benefit_years	integer
policy_annual_benefit	number
annual_care_cost_today	number

ira_eligibility

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.

Argument	Type	Description
age	integer
magi	number
tax_year	integer
compensation	number
filing_status	string
spouse_covered	boolean
elective_deferral	number
employer_contributions	number
covered_by_workplace_plan	boolean
plan_allows_mega_backdoor	boolean

Input schema (JSON)

loan_amortization

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.

Argument	Type	Description
principal	number
annual_rate	number
term_months	integer
include_schedule	boolean
extra_monthly_payment	number

Input schema (JSON)

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

longevity

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.

Argument	Type	Description
age	integer
sex	string
second_age	integer
second_sex	string
health_adjustment	number
second_health_adjustment	number

Input schema (JSON)

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

medicare_irmaa

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.

Argument	Type	Description
magi	number
irmaa_year	integer
filing_status	string

Input schema (JSON)

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

medicare_late_enrollment_penalty

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.

Argument	Type	Description
year	integer
projection_years	integer
part_b_months_late	integer
part_d_months_late	integer

Input schema (JSON)

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

mortgage_affordability

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.

Argument	Type	Description
pmi_rate	number
hoa_monthly	number
term_months	integer
back_end_dti	number
down_payment	number
annual_income	number
front_end_dti	number
interest_rate	number
monthly_debts	number
insurance_rate	number
property_tax_rate	number

mortgage_points

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.

Argument	Type	Description
points	number
base_rate	number
loan_amount	number
term_months	integer
buydown_rate	number

Input schema (JSON)

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

mortgage_refinance

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.

Argument	Type	Description
new_rate	number
current_rate	number
closing_costs	number
current_balance	number
new_term_months	integer
roll_in_closing_costs	boolean
current_remaining_months	integer

Input schema (JSON)

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

mortgage_rent_vs_buy

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.

Argument	Type	Description
inflation	number
home_price	number
hoa_monthly	number
rent_growth	number
down_payment	number
monthly_rent	number
mortgage_rate	number
insurance_rate	number
loan_term_months	integer
maintenance_rate	number
closing_cost_rate	number

mortgage_term_comparison

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.

Argument	Type	Description
long_rate	number
short_rate	number
loan_amount	number
long_term_months	integer
investment_return	number
short_term_months	integer

Input schema (JSON)

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

pension_lump_sum_vs_annuity

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.

Argument	Type	Description
end_age	integer
cola_rate	number
current_age	integer
survivor_pct	number
discount_rate	number
lump_sum_offer	number
monthly_pension	number
survivor_end_age	integer

Input schema (JSON)

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

portfolio_glidepath

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.

Argument	Type	Description
method	string
end_age	integer
final_age	integer
rule_base	number
end_equity	number
glide_type	string
current_age	integer
equity_floor	number
final_equity	number
start_equity	number
equity_ceiling	number

portfolio_rebalance

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.

Argument	Type	Description
band	number
holdings	array
tax_aware	boolean
withdrawal	number
new_contribution	number

Input schema (JSON)

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

retirement_accumulation_projection

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.

Argument	Type	Description
seed	integer
years	integer
accounts	array
inflation	number
glide_path	array
current_age	integer
annual_fee_rate	number
escalation_rate	number
expected_return	number
num_simulations	integer
return_volatility	number

retirement_backdoor_roth

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.

Argument	Type	Description
age	integer
tax_year	integer
filing_status	string
existing_basis	number
conversion_amount	number
elective_deferrals	number
pretax_ira_balance	number
plan_after_tax_limit	number
employer_contributions	number
nondeductible_contribution	number

Input schema (JSON)

retirement_hsa

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.

Argument	Type	Description
age	integer
years	integer
coverage	string
tax_year	integer
marginal_rate	number
current_balance	number
expected_return	number
months_eligible	integer
annual_contribution	number
use_last_month_rule	boolean

Input schema (JSON)

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

retirement_monte_carlo

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).

Argument	Type	Description
seed	integer
assets	array
end_age	integer
inflation	number
rebalance	boolean
glide_path	array
current_age	integer
correlations	array
spending_rule	object
retirement_age	integer
annual_fee_rate	number
annual_spending

retirement_qlac

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.

Argument	Type	Description
age	integer
sex	string
tax_year	integer
start_age	integer
birth_year	integer
assumed_rate	number
qlac_premium	number
account_balance	number

Input schema (JSON)

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

retirement_rmd

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

Argument	Type	Description
age	integer
table	string
birth_year	integer
second_age	integer
account_balance	number

Input schema (JSON)

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

retirement_savings_target

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.

Argument	Type	Description
seed	integer
end_age	integer
inflation	number
current_age	integer
other_income	number
retirement_age	integer
annual_fee_rate	number
current_savings	number
expected_return	number
num_simulations	integer
withdrawal_rate	number

retirement_self_employed

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.

Argument	Type	Description
age	integer
tax_year	integer
net_profit	number
existing_w2_deferrals	number

Input schema (JSON)

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

retirement_sepp

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.

Argument	Type	Description
age	integer
interest_rate	number
account_balance	number

Input schema (JSON)

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

retirement_survivor_scenario

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.

Argument	Type	Description
spouse_a	object
spouse_b	object
tax_year	integer
on_medicare	boolean
deceased_spouse	string
shared_ordinary_income	number

Input schema (JSON)

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

retirement_withdrawal_sequencing

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.

Argument	Type	Description
age	integer
strategy	string
tax_year	integer
birth_year	integer
filing_status	string
spending_need	number
state_tax_rate	number
bracket_ceiling	number
taxable_balance	number
tax_free_balance	number
tax_deferred_balance

retirement_withdrawal_strategy

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.

Argument	Type	Description
seed	integer
end_age	integer
strategy	string
inflation	number
floor_mult	number
glide_path	array
current_age	integer
guard_width	number
ceiling_mult	number
guard_adjust	number
initial_rate	number

roth_conversion

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.

Argument	Type	Description
end_age	integer
tax_year	integer
birth_year	integer
current_age	integer
roth_balance	number
annual_return	number
filing_status	string
irmaa_tier_cap	integer
state_tax_rate	number
target_bracket	number
external_return	number

roth_vs_traditional

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.

Argument	Type	Description
years	integer
expected_return	number
capital_gains_rate	number
invest_tax_savings	boolean
annual_contribution	number
current_marginal_rate	number
retirement_marginal_rate	number

Input schema (JSON)

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

savings_waterfall

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.

Argument	Type	Description
age	integer
magi	number
tax_year	integer
compensation	number
hsa_coverage	string
filing_status	string
annual_savings	number
prior_year_wages	number
employer_match_rate	number
employer_match_cap_pct	number
covered_by_workplace_plan	boolean

social_security

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

Argument	Type	Description
spouse	object
claim_age	integer
cola_rate	number
birth_year	integer
pia_monthly	number
discount_rate	number
longevity_age	integer
annual_earnings	number
earnings_test_year	integer
survivor_claim_age	integer

Input schema (JSON)

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

social_security_couple_claim

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.

Argument	Type	Description
spouse_a	object
spouse_b	object
discount_rate	number

Input schema (JSON)

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

tax_asset_location

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.

Argument	Type	Description
assets	array
tax_year	integer
filing_status	string
taxable_income	number
taxable_balance	number
tax_advantaged_balance	number

Input schema (JSON)

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

tax_bracket_room

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.

Argument	Type	Description
tax_year	integer
filing_status	string
taxable_income	number

Input schema (JSON)

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

tax_estimate

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.

Argument	Type	Description
qbi	number
state	string
wages	number
qbi_ubia	number
tax_year	integer
salt_paid	number
include_amt	boolean
include_qbi	boolean
qbi_is_sstb	boolean
llc_expenses	number
qbi_w2_wages	number

tax_estimated_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.

Argument	Type	Description
tax_year	integer
withholding	number
filing_status	string
prior_year_agi	number
prior_year_tax	number
underpayment_rate	number
estimated_payments	array
projected_current_tax	number

Input schema (JSON)

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

tax_filing_status

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.

Argument	Type	Description
spouse_a	object
spouse_b	object
tax_year	integer

Input schema (JSON)

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

tax_gain_harvesting

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.

Argument	Type	Description
magi	number
tax_year	integer
filing_status	string
realize_amount	number
taxable_income	number

Input schema (JSON)

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

tax_liquidation_schedule

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.

Argument	Type	Description
tax_year	integer
objective	string
cost_basis	number
other_ltcg	number
growth_rate	number
market_value	number
filing_status	string
horizon_years	integer
state_tax_rate	number
max_annual_gain	number
other_ordinary_income	number

tax_marginal_map

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.

Argument	Type	Description
state	string
tax_year	integer
sweep_step	number
sweep_stop	number
include_aca	boolean
sweep_start	number
filing_status	string
include_irmaa	boolean
household_size	integer
sweep_variable	string
ordinary_income	number

tax_qcd_plan

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.

Argument	Type	Description
age	integer
tax_year	integer
birth_year	integer
ira_balance	number
filing_status	string
intended_gift	number
other_itemized	number
ordinary_income	number
qualified_income	number
tax_exempt_interest	number
medicare_beneficiaries	integer

tax_qsbs_exclusion

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.

Argument	Type	Description
gain	number
basis	number
tax_year	integer
other_income	number
filing_status	string
acquisition_date	string
holding_period_years	number
gross_assets_at_issuance	number

Input schema (JSON)

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

tax_s_corp_salary

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.

Argument	Type	Description
sstb	boolean
ubia	number
tax_year	integer
max_salary	number
other_income	number
filing_status	string
state_tax_rate	number
business_net_income	number
reasonable_comp_floor	number

Input schema (JSON)

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

tax_social_security_benefits

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.

Argument	Type	Description
other_income	number
filing_status	string
tax_exempt_interest	number
marginal_ordinary_rate	number
social_security_benefits	number

Input schema (JSON)

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

tax_state_income

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.

Argument	Type	Description
age	integer
state	string
tax_year	integer
filing_status	string
pension_income	number
state_taxable_income	number
social_security_income	number

Input schema (JSON)

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

tax_survivor_transition

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.

Argument	Type	Description
tax_year	integer
ordinary_income	number
qualified_income	number
conversion_amount	number
tax_exempt_interest	number
social_security_lower	number
social_security_higher	number
survivor_ordinary_income	number

Input schema (JSON)

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

tax_tlh_benefit

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.

Argument	Type	Description
tax_year	integer
growth_rate	number
filing_status	string
taxable_income	number
harvestable_loss	number
offsettable_gains	number
reinvestment_years	number

Input schema (JSON)

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

tax_w4_checkup

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.

Argument	Type	Description
tax	object
ytd_withheld	number
prior_year_agi	number
prior_year_tax	number
pay_periods_remaining	integer
per_paycheck_withholding	number

Input schema (JSON)

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

tvm

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.

Argument	Type	Description
fv	number
pv	number
pmt	number
nper	number
rate	number
solve_for	string
payments_at_beginning	boolean

Input schema (JSON)

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

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

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

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

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

Input schema (JSON)

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

Input schema (JSON)

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