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Inputs for model spec relocation v1.0.0. Every listed input is required; unknown keys are rejected; out-of-domain values are rejected, never clamped.

Inputs for model spec rent-vs-buy v1.1.0. Every listed input is required; unknown keys are rejected; out-of-domain values are rejected, never clamped.

Inputs for model spec fire v1.0.1. Every listed input is required; unknown keys are rejected; out-of-domain values are rejected, never clamped.

Inputs for model spec roth-vs-traditional v1.0.1. Every listed input is required; unknown keys are rejected; out-of-domain values are rejected, never clamped. Cross-field constraints (rejected, never normalized): retirementAge must exceed currentAge.

Inputs for model spec refinance v1.0.0. Every listed input is required; unknown keys are rejected; out-of-domain values are rejected, never clamped.

Inputs for model spec windfall v1.0.1. Every listed input is required; unknown keys are rejected; out-of-domain values are rejected, never clamped.

Inputs for model spec sabbatical v1.0.0. Every listed input is required; unknown keys are rejected; out-of-domain values are rejected, never clamped. Cross-field constraints (rejected, never normalized): retirementAge must exceed currentAge.

Inputs for model spec one-income v1.0.0. Every listed input is required; unknown keys are rejected; out-of-domain values are rejected, never clamped. Cross-field constraints (rejected, never normalized): retirementAge must exceed currentAge.

Inputs for model spec second-home v1.1.0. Every listed input is required; unknown keys are rejected; out-of-domain values are rejected, never clamped.

Inputs for model spec divorce v1.2.0. Every listed input is required; unknown keys are rejected; out-of-domain values are rejected, never clamped. Cross-field constraints (rejected, never normalized): annualReturnRate is in PERCENT points (e.g. 7 = 7%), not a decimal.

Inputs for model spec down-payment v1.0.0. Every listed input is required; unknown keys are rejected; out-of-domain values are rejected, never clamped.

Inputs for model spec rsu v1.1.0. Every listed input is required; unknown keys are rejected; out-of-domain values are rejected, never clamped.

Inputs for model spec debt-payoff v1.1.0. Every listed input is required; unknown keys are rejected; out-of-domain values are rejected, never clamped. Cross-field constraints (rejected, never normalized): debts[i].name is a free display string, ignored by the engine and excluded from verification; extraMonthlyPayment is a scalar in 0–2,000 USD/mo (per spec).

Inputs for model spec student-loan-payoff v1.0.0. Every listed input is required; unknown keys are rejected; out-of-domain values are rejected, never clamped. Cross-field constraints (rejected, never normalized): investmentReturn must stay > 0 (NaN at 0).

Inputs for model spec emergency-fund v1.0.0. Every listed input is required; unknown keys are rejected; out-of-domain values are rejected, never clamped.

Inputs for model spec salary-jump v1.0.1. Every listed input is required; unknown keys are rejected; out-of-domain values are rejected, never clamped. Cross-field constraints (rejected, never normalized): retirementAge must exceed currentAge.

Inputs for model spec having-a-child v1.1.0. Every listed input is required; unknown keys are rejected; out-of-domain values are rejected, never clamped. Cross-field constraints (rejected, never normalized): retirementAge must exceed currentAge.

Inputs for model spec wedding v1.1.0. Every listed input is required; unknown keys are rejected; out-of-domain values are rejected, never clamped. Cross-field constraints (rejected, never normalized): debtInterestRate must stay > 0 (NaN at 0).

Inputs for model spec renovation v1.1.0. Every listed input is required; unknown keys are rejected; out-of-domain values are rejected, never clamped. Cross-field constraints (rejected, never normalized): helocRate must stay > 0 (NaN at 0).

Inputs for model spec side-business v1.0.1. Every listed input is required; unknown keys are rejected; out-of-domain values are rejected, never clamped. Cross-field constraints (rejected, never normalized): annualReturn must stay > 0 (NaN at 0).

Inputs for model spec mega-backdoor-roth v1.0.0. Every listed input is required; unknown keys are rejected; out-of-domain values are rejected, never clamped. Cross-field constraints (rejected, never normalized): salary is a dead input by spec (accepted, no effect on outputs).

Inputs for model spec 529-college-savings v1.0.0. Every listed input is required; unknown keys are rejected; out-of-domain values are rejected, never clamped. Cross-field constraints (rejected, never normalized): collegeStartAge must be at least childAge; annualReturn529 and annualReturnTaxable must stay > 0 (NaN at 0).

Inputs for model spec private-school v1.2.0. Every listed input is required; unknown keys are rejected; out-of-domain values are rejected, never clamped. Cross-field constraints (rejected, never normalized): annualReturn must stay > 0 (NaN at 0).

Inputs for model spec social-security-timing v1.1.0. Every listed input is required; unknown keys are rejected; out-of-domain values are rejected, never clamped. Cross-field constraints (rejected, never normalized): lifeExpectancy must be at least currentAge.

Inputs for model spec long-term-care v1.1.0. Every listed input is required; unknown keys are rejected; out-of-domain values are rejected, never clamped. Cross-field constraints (rejected, never normalized): careStartAge must be at least currentAge.

Inputs for model spec eldercare v1.1.0. Every listed input is required; unknown keys are rejected; out-of-domain values are rejected, never clamped. Cross-field constraints (rejected, never normalized): careStartAge must be at least parentAge; annualReturnRate is in PERCENT points (e.g. 7 = 7%), not a decimal.

Inputs for model spec estate-planning v1.1.0. Every listed input is required; unknown keys are rejected; out-of-domain values are rejected, never clamped. Cross-field constraints (rejected, never normalized): stateTaxRate and annualGrowthRate are in PERCENT points, not decimals.

Inputs for model spec auto-loan v1.0.0. Every listed input is required; unknown keys are rejected; out-of-domain values are rejected, never clamped.

Inputs for model spec loan-comparison v1.0.0. Every listed input is required; unknown keys are rejected; out-of-domain values are rejected, never clamped. Cross-field constraints (rejected, never normalized): Costs are lifetime nominal dollars (interest + fees), undiscounted. Comparing offers with different terms ignores time value and payment duration — a longer loan's lower nominal total can still be worse in present-value terms..

Inputs for model spec extra-payment v1.0.0. Every listed input is required; unknown keys are rejected; out-of-domain values are rejected, never clamped.

Inputs for model spec biweekly-mortgage v1.0.0. Every listed input is required; unknown keys are rejected; out-of-domain values are rejected, never clamped.

Inputs for model spec points-break-even v1.0.0. Every listed input is required; unknown keys are rejected; out-of-domain values are rejected, never clamped.

Inputs for model spec pmi-removal v1.0.0. Every listed input is required; unknown keys are rejected; out-of-domain values are rejected, never clamped.

Inputs for model spec arm-vs-fixed v1.0.0. Every listed input is required; unknown keys are rejected; out-of-domain values are rejected, never clamped. Cross-field constraints (rejected, never normalized): armInitialPeriodMonths must be ≤ termMonths − 12 (the adjustment happens at least a year before payoff); violating requests are rejected, never adjusted..

Inputs for model spec credit-card-minimum v1.0.0. Every listed input is required; unknown keys are rejected; out-of-domain values are rejected, never clamped. Cross-field constraints (rejected, never normalized): minimumNeverPaysOff / fixedNeverPaysOff (booleans) are the authoritative never-pays-off signals; when true, that path's months and interest are truncated at the 1200-month horizon — never compare months to 1200..

Inputs for model spec rmd v1.0.0. Every listed input is required; unknown keys are rejected; out-of-domain values are rejected, never clamped. Cross-field constraints (rejected, never normalized): Uniform Lifetime Table only (owner not >10 years older than a sole-beneficiary spouse; account not inherited). RMD start age follows the SECURE 2.0 birth cohort under the TY2026 pin: currentAge ≤ 66 → 75, currentAge ≥ 67 → 73..

Inputs for model spec roth-conversion-ladder v1.0.0. Every listed input is required; unknown keys are rejected; out-of-domain values are rejected, never clamped. Cross-field constraints (rejected, never normalized): The TY2026 federal bracket table is applied to every ladder year (no bracket inflation); annualOtherTaxableIncome is taxable income after deductions..

Inputs for model spec backdoor-roth v1.0.0. Every listed input is required; unknown keys are rejected; out-of-domain values are rejected, never clamped. Cross-field constraints (rejected, never normalized): nondeductibleContribution max is the TY2026 IRA limit (facts registry irs.ira.contribution-limit.2026); existingPretaxIraBalance aggregates all traditional/SEP/SIMPLE IRAs and is assumed fully pre-tax..

Inputs for model spec employer-match v1.0.0. Every listed input is required; unknown keys are rejected; out-of-domain values are rejected, never clamped. Cross-field constraints (rejected, never normalized): Single-tier match formula (matchRate × contributions up to matchLimitPct of salary); employee deferral capped at the TY2026 §402(g) limit of $24,500 (no catch-up) and match-eligible compensation at the §401(a)(17) limit of $360,000..

Inputs for model spec capital-gains v1.0.0. Every listed input is required; unknown keys are rejected; out-of-domain values are rejected, never clamped. Cross-field constraints (rejected, never normalized): Gains only — loss netting and carryforwards are out of scope. NIIT MAGI is approximated by taxable income + gains, which can understate NIIT near the threshold (spec exclusion)..

Inputs for model spec ssa-pia v1.0.0. Every listed input is required; unknown keys are rejected; out-of-domain values are rejected, never clamped. Cross-field constraints (rejected, never normalized): AIME (the 35-year indexed earnings average) is the caller's input — computing it from an earnings record is out of scope. Bend points are the 2026 eligibility-year pair; the 90/32/15 factors are fixed in law. PIA rounds down to the dime (SSA rule); the monthly benefit rounds down to the whole dollar as SSA pays it. Claiming ages are whole years; delayed credits stop at 70..

Inputs for model spec state-income-tax v1.1.0. Every listed input is required; unknown keys are rejected; out-of-domain values are rejected, never clamped. Cross-field constraints (rejected, never normalized): Input is STATE taxable income — each state's own deductions, exemptions, and base modifications are the caller's job (spec exclusion). Covers the nine no-income-tax states, the flat-rate states IL/PA/CO, and the graduated states CA/NY/MA/NJ/VA, all at TY2025 tables. filingStatus selects the graduated table and affects no flat or no-tax state. NY's tax-benefit recapture, MA's short-term-gains rates, and all local taxes are spec exclusions..

Inputs for model spec quarterly-estimates v1.0.0. Every listed input is required; unknown keys are rejected; out-of-domain values are rejected, never clamped. Cross-field constraints (rejected, never normalized): IRC §6654 safe harbors with the non-MFS 110% AGI trigger ($150,000); four equal installments — the annualized-income method is out of scope..

Inputs for model spec espp v1.0.0. Every listed input is required; unknown keys are rejected; out-of-domain values are rejected, never clamped. Cross-field constraints (rejected, never normalized): Immediate-sale (disqualifying disposition) scenario only; domain edges approximate §423 limits (15% max discount; the $25,000 cap is on grant-date FMV, which the contribution-only domain does not recompute — see spec exclusions)..

Inputs for model spec burn-rate-runway v1.0.0. Every listed input is required; unknown keys are rejected; out-of-domain values are rejected, never clamped. Cross-field constraints (rejected, never normalized): ranOutOfCash / reachesCashflowPositive (booleans) are the authoritative signals: runwayMonths = 120 is the 10-year horizon truncation and firstCashflowPositiveMonth = 0 means none within it — never read those numbers without the booleans..

Inputs for model spec safe-dilution v1.0.0. Every listed input is required; unknown keys are rejected; out-of-domain values are rejected, never clamped. Cross-field constraints (rejected, never normalized): postMoneyValuationCap must be ≥ 2 × safeInvestment (a SAFE selling more than half the company is rejected, never adjusted). Valuation-cap post-money SAFE only — discount-only and MFN variants are out of scope.; safePctPostSafes and safePctPostRound are FLOORS: if the priced round values the company at or too close to the post-money cap, the SAFE converts into MORE than investment ÷ cap (Safe User Guide warning). The model assumes a round comfortably above the cap..

Inputs for model spec option-pool v1.0.0. Every listed input is required; unknown keys are rejected; out-of-domain values are rejected, never clamped. Cross-field constraints (rejected, never normalized): newMoney must be ≤ preMoneyValuation (rounds selling more than half the company are rejected, never adjusted); the pool increase is created pre-money and dilutes existing holders only..

Inputs for model spec equipment-lease-vs-buy v1.0.0. Every listed input is required; unknown keys are rejected; out-of-domain values are rejected, never clamped. Cross-field constraints (rejected, never normalized): Costs are after-tax lifetime nominal dollars, undiscounted, and the two terms may differ — the loan-comparison time-value caveat applies. Straight-line depreciation to residual; accelerated schedules (MACRS/§179/bonus) excluded.; Under this contract the tax rate rescales BOTH costs by (1 − marginalTaxRate) and can never change cheaperOption — taxes flip the real decision only through deduction timing and discounting, which are excluded (see spec)..

Inputs for model spec sba-loan-cost v1.0.0. Every listed input is required; unknown keys are rejected; out-of-domain values are rejected, never clamped. Cross-field constraints (rejected, never normalized): FY2026 standard 7(a) fee schedule (loans approved 2025-10-01 through 2026-09-30); manufacturer and veteran fee waivers not applied; the 0.55% annual service fee is lender-paid by rule and deliberately excluded from borrower cost..

Inputs for model spec iso-exercise v1.0.0. Every listed input is required; unknown keys are rejected; out-of-domain values are rejected, never clamped. Cross-field constraints (rejected, never normalized): fmvAtExercise must be ≥ strikePrice (underwater exercise has no bargain element and is out of domain). AMTI is approximated by ordinaryTaxableIncome + bargain element — AMT-specific deduction add-backs are a spec exclusion..

Inputs for model spec qsbs-exclusion v1.0.0. Every listed input is required; unknown keys are rejected; out-of-domain values are rejected, never clamped. Cross-field constraints (rejected, never normalized): Eligibility (original issuance, C-corp, qualified trade or business, the §1202(d) gross-assets test) is an input assumption. Amounts and character only — no tax dollars are computed (spec exclusion)..

Inputs for model spec 83b-election v1.0.0. Every listed input is required; unknown keys are rejected; out-of-domain values are rejected, never clamped. Cross-field constraints (rejected, never normalized): pricePaid must be ≤ fmvAtGrant. Ordinary-income comparison only — sale-year capital gains are a spec exclusion (basis outputs + capital-gains cover the sale)..

Inputs for model spec wash-sale v1.0.0. Every listed input is required; unknown keys are rejected; out-of-domain values are rejected, never clamped. Cross-field constraints (rejected, never normalized): basisPerShare must be ≥ saleProceedsPerShare (gains have no wash-sale question; equality degenerates to zero loss). replacementShares means shares of substantially identical stock acquired inside the §1091(a) 61-day window — the window and the substantially-identical determination are input assumptions (spec)..

Inputs for model spec retirement-income-cliffs v1.0.0. Every listed input is required; unknown keys are rejected; out-of-domain values are rejected, never clamped. Cross-field constraints (rejected, never normalized): additionalIncome is ordinary in character. Taxable income and IRMAA-MAGI use a deduction-free proxy; IRMAA's two-year lookback is reported, not simulated; ACA uses the 48-state FPL with tax-family = coverage-family (spec exclusions)..

Inputs for model spec longevity-horizon v1.0.0. Every listed input is required; unknown keys are rejected; out-of-domain values are rejected, never clamped. Cross-field constraints (rejected, never normalized): SSA period life table 2023: population mortality, sex-distinct, no cohort improvement or personal underwriting (spec exclusions). Probabilities to already-attained ages are 1 by definition..

Inputs for model spec annuity-payout v1.0.0. Every listed input is required; unknown keys are rejected; out-of-domain values are rejected, never clamped. Cross-field constraints (rejected, never normalized): The actuarially FAIR payout under SSA population mortality — real quotes are lower (insurer loads + annuitant self-selection; spec exclusions). Annual payment mode; monthly figure is annual/12 by convention..

Inputs for model spec life-insurance-needs v1.0.0. Every listed input is required; unknown keys are rejected; out-of-domain values are rejected, never clamped. Cross-field constraints (rejected, never normalized): Needs sizing, not underwriting: survivor benefits, spousal earnings, and taxes are excluded, so the recommendation errs conservative (spec exclusions)..

Inputs for model spec step-up-vs-gift-now v1.0.0. Every listed input is required; unknown keys are rejected; out-of-domain values are rejected, never clamped. Cross-field constraints (rejected, never normalized): costBasis ≤ assetValue (loss property's §1015 dual-basis rule is a spec exclusion); annualAppreciationPct and heirLtcgRatePct are PERCENT points, not decimals.

Inputs for model spec inherited-ira-10-year v1.0.0. Every listed input is required; unknown keys are rejected; out-of-domain values are rejected, never clamped. Cross-field constraints (rejected, never normalized): All three rates are PERCENT points. Flat marginal rate by design — probe bracket dynamics by re-running with each timing's expected rate (spec assumptions)..

Inputs for model spec qcd v1.0.0. Every listed input is required; unknown keys are rejected; out-of-domain values are rejected, never clamped. Cross-field constraints (rejected, never normalized): Whole-year ages: eligibility modeled at 71+ (§408(d)(8) grants it at 70½ — a donor at 70 should read the answer as their post-70½ position)..

Inputs for model spec bracket-fill v1.0.0. Every listed input is required; unknown keys are rejected; out-of-domain values are rejected, never clamped. Cross-field constraints (rejected, never normalized): The TY2026 federal bracket table is applied to every year (no bracket inflation); annualOtherTaxableIncome is taxable income after deductions. Room is 0 when other income already reaches the chosen bracket's top: the model never converts above the chosen rate..

Inputs for model spec charitable-bunching v1.0.0. Every listed input is required; unknown keys are rejected; out-of-domain values are rejected, never clamped. Cross-field constraints (rejected, never normalized): agi is each year's AGI before any QCD and includes iraDistributions (values above agi are read as agi). Whole-year ages: QCD eligibility modeled at 71+. Cash gifts above the 60% AGI limit are reported, not carried forward (spec exclusions)..

Inputs for model spec plan529-superfunding v1.0.0. Every listed input is required; unknown keys are rejected; out-of-domain values are rejected, never clamped. Cross-field constraints (rejected, never normalized): annualReturnPct and taxableDragPct are PERCENT points. The 529 arm assumes qualified withdrawals (spec exclusions)..