---
title: "Education Funding Gap Calculator"
method: POST
path: "/v1/tools/compute_education_funding_gap_calculator"
tags: ["529", "education funding", "funding gap", "future value", "compound growth", "college savings", "rollover cap", "zero network", "zero-PII"]
---

# Education Funding Gap Calculator

`POST /v1/tools/compute_education_funding_gap_calculator`

## Request

- Base URL: `https://ainumbers.co`
- URL: `https://ainumbers.co/v1/tools/compute_education_funding_gap_calculator`
- Auth: none declared

Education funding arithmetic over caller-declared inputs: the future value of a declared current balance grown at a declared annual return over a declared horizon, and the funding gap against a declared goal, with a GAP_COMPUTED or GOAL_MET verdict and a full trace. On the overfunded path the page echoes a declared rollover cap in the trace note; the cap is your declaration, never a determination that any rollover is available or advisable. Absent or invalid inputs fail closed and are named. Rounding is 2dp half-up. Arithmetic only: not financial advice. No network, no storage, no clock.

**Tool URL:** https://ainumbers.co/tools/688-education-funding-gap-calculator.html
**AP2/Policy Mandate export:** yes

## Request body

- object
  - `goal` number, required: Declared funding goal, number in (0, 1000000000].
  - `years` number, required: Declared horizon, integer in [1, 100].
  - `annual_return_pct` number, required: Declared assumed annual return, percent, in [-10, 30].
  - `current_balance` number, required: Declared current balance, number in [0, 1000000000].
  - `rollover_cap` number: Optional declared lifetime rollover cap, number in [0, 1000000000].

## Response `200`

Successful tool execution result

- object
  - `fv_current_balance` number, nullable
  - `funding_gap` number, nullable
  - `overall` string, nullable
  - `trace` string
  - `domain_errors` unknown[]
    - unknown

---

[API](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite.md) · [All operations](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/llms.txt) · [OpenAPI document](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/revisions/b462e4f5bb28?raw)