Numeratica — financial planning calculations

com.numeratica由 numeratica.com 發布官方發布者v0.1.5更新於 Nov 2, 2026

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

已驗證Streamable HTTP可網頁執行金融資料與分析

概覽

AI 產生的概覽

將 MCP 用戶端連接到 Numeratica API,用於退休蒙地卡羅、稅務、RMD、IRMAA 等確定性美國理財規劃計算。

可以做什麼
  • 執行退休與年金試算,包含可重現亂數種子的蒙地卡羅模擬
  • 計算稅務、Roth 轉換、RMD、繼承 IRA、提撥上限與 IRA 資格
  • 試算股權薪酬:RSU、NSO、ISO、ESPP、83(b) 與 NUA
  • 估算房貸、貸款、債務償還、再融資與租屋對比購屋
  • 處理教育、醫療、聯邦醫療保險、保險與福利情境
  • 不需金鑰即可瀏覽完整工具目錄,執行計算則需要金鑰
適用情境
適合需要助理以確定性引擎給出美國個人理財規劃數字、而非粗略估算的情境,例如比較退休金一次領取與年金,或核對聯邦醫療保險 IRMAA 級距。
執行需求
可作為遠端端點使用,也可透過 npx 在本機執行(Node 20 以上,免安裝)。執行計算需要 Numeratica API 金鑰,透過 NUMERATICA_API_KEY 環境變數或 Authorization bearer 標頭提供,可免費申請。另有選用的 NUMERATICA_BASE_URL 與 NUMERATICA_TIMEOUT_MS 設定。需要連線至 Numeratica API 的網路。
安裝前請注意
API 金鑰屬於機密,建議使用 NUMERATICA_API_KEY 環境變數或金鑰檔案,而非命令列 --key 參數,後者對其他使用者可見,並會留在 shell 歷史與設定檔中。描述個人財務狀況的輸入會傳送到託管的 Numeratica API。結果附有非建議聲明,不構成理財建議。

安裝

在 SourceWeft 中

  1. 開啟 儀表板中的 Numeratica — financial planning calculations,將其新增到工作區。
  2. 連接 Authorization token 憑證。它們會被私密儲存,絕不會在公開頁面上展示。
  3. 為需要使用其工具的對話啟用該服務。

Web executable,透過 Streamable HTTP。 遠端服務在工作區中設定後即可從網頁執行環境執行。

交給代理程式安裝

把這段提示詞貼上到 Claude Code、Codex、Cursor 等代理程式,或 SourceWeft 對話中。代理程式會讀取該伺服器的安裝指南,先向你展示發布者、端點和登入方式,經你同意後再把它新增到你的客戶端。金鑰不會寫進任何命令。

閱讀 https://sourceweft.com/mcp/com.numeratica%2Fmcp/install.md,並按其中說明把這個 MCP 伺服器接入我的客戶端。修改任何設定之前,先告訴我它的發布者、端點和登入方式,等我確認。不要把 API 金鑰寫進命令或我會提交的檔案;問我金鑰應從哪裡取得。

檢視代理程式所依據的安裝指南

其他 MCP 客戶端

把它新增到你客戶端的 mcpServers 設定中。

{
  "mcpServers": {
    "numeratica-financial-planning-calculatio": {
      "type": "http",
      "url": "https://api.numeratica.com/mcp",
      "headers": {
        "Authorization": "Bearer <YOUR_TOKEN>"
      }
    }
  }
}

README

@numeratica/mcp

A thin MCP bridge that connects any MCP client (Claude Desktop, Cursor, …) to the Numeratica financial-planning API — retirement Monte Carlo, taxes, RMDs, Social Security, Roth conversions, and more.

Get a free key at https://docs.numeratica.com.

How it works

This package is a transport bridge, nothing more. It reads JSON-RPC from stdin and forwards each message to the hosted POST /mcp endpoint with your API key as a bearer token, then writes the response back to stdout. The tool list and all results come straight from the API — so the bridge always stays in sync and ships no calculation logic of its own. Your key is sent only in the Authorization header and is never logged.

  • Zero runtime dependencies (Node ≥ 20 built-in fetch + node:readline).
  • Open source (MIT). The interesting part is the API; this is just the wire.

Install

No install needed — your MCP client runs it on demand with npx. (You can also npm i -g @numeratica/mcp to get the numeratica-mcp command.)

Step 1 — look around, no key needed

Start here. This config needs no signup and no key:

json
{  "mcpServers": {    "numeratica": {      "command": "npx",      "args": ["-y", "@numeratica/mcp"]    }  }}

Put it in claude_desktop_config.json (Claude Desktop: Settings → Developer → Edit Config) or ~/.cursor/mcp.json (Cursor, or a project .cursor/mcp.json), then restart the client. All 76 tools appear, and you can ask what's available — "What Numeratica tools do you have?"

Without a key the bridge runs in discovery-only mode: browsing the catalogue works, running a calculation returns a message telling you to add a key. That's the intended state, not a failure.

Step 2 — add a key to run calculations

Get a free key at docs.numeratica.com/get-key, then add one line:

json
{  "mcpServers": {    "numeratica": {      "command": "npx",      "args": ["-y", "@numeratica/mcp"],      "env": { "NUMERATICA_API_KEY": "nmr_sk_your_key_here" }    }  }}

Restart, and the tools are live. Try: "Run a retirement Monte Carlo for a 40-year-old retiring at 65."

Configuration

VariableRequiredDefaultNotes
NUMERATICA_API_KEYto run calculations—Your key. Get one free at docs.numeratica.com/get-key. Never logged. Omit it to browse the catalogue in discovery-only mode.
NUMERATICA_BASE_URLnohttps://api.numeratica.comOverride the API base (e.g. for testing).

You can also pass the key with --key <value> or --key=<value> instead of the env var, but prefer NUMERATICA_API_KEY: a key on the command line is visible to ps for every user on the machine, lands in shell history, and is stored verbatim in MCP client config files that people routinely paste into issue reports. For a non-env option that avoids all three, use --key-file <path>.

Links

License

MIT © Numeratica / Francis Townsend-Merino

來源:README.md,提交 0066820

工具

76

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.

輸入參數agesexpremiumstart_agesecond_agesecond_sexpayout_typeassumed_ratesurvivor_pcttarget_incomeperiod_certain_years

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.

輸入參數tax_yearfiling_statusordinary_incomequalifying_countmarginal_tax_ratefsa_contribution_limitdependent_care_expenses

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.

輸入參數ppohdhphsa_contributionemployer_hsa_seedmarginal_tax_rateppo_fsa_contributionexpected_medical_spend

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.

輸入參數assetscorrelationdefault_correlation

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.

輸入參數ratecashflowsdated_cashflows

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.

輸入參數current_savingsexpected_returnyears_in_collegeannual_cost_todaycollege_start_agecurrent_child_agetuition_inflation

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.

輸入參數agetax_yearcompensationhsa_coverageprior_year_wagesemployer_match_ratehsa_contribution_ytdira_contribution_ytdelective_deferral_ytdemployer_match_cap_pct

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.

輸入參數debtsstrategymonthly_budget

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.

輸入參數seedloan_balanceextra_monthlyhorizon_yearsmarginal_rateannual_fee_rateexpected_returnnum_simulationsloan_annual_ratereturn_volatilityinterest_deductibleloan_minimum_payment

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.

輸入參數yearbalancebeneficiary_ageaccount_age_yearsrecent_contributionslifetime_rolled_alreadyother_ira_contributionsbeneficiary_earned_income

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.

輸入參數award_yearparent_agifamily_sizestudent_agisingle_parentstudent_assetscost_of_attendanceparent_cash_savingsparent_earned_incomeparent_filing_statusparent2_earned_incomeparent_untaxed_income另有 6 個

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.

輸入參數agistatedependentsfamily_sizeloan_balanceinterest_ratepursuing_pslfguideline_yearloan_before_2014standard_term_months

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.

輸入參數federalrefi_ratediscount_raterefi_term_months

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.

輸入參數sharessale_pricediscount_pctoffering_date_pricepurchase_date_price

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.

輸入參數sharestax_yearsale_pricestrike_pricefiling_statusfmv_at_exerciseordinary_incomeother_amt_preference_items

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.

輸入參數tax_yearstrike_pricefiling_statusfmv_at_exerciseordinary_incomeother_amt_preference_items

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.

輸入參數tax_yearfmv_at_startstrike_pricetotal_sharesfiling_statushorizon_yearsannual_amt_budgetannual_fmv_growthannual_income_growthannual_ordinary_income

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.

輸入參數sharestax_yearstrike_pricefiling_statusfmv_at_exerciseother_ordinary_income

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.

輸入參數tax_yearltcg_ratecost_basissale_pricegrowth_ratemarket_valuediscount_ratefiling_statusyears_to_salemarginal_ordinary_rate

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.

輸入參數sharestax_yearfmv_at_vestfiling_statusother_ordinary_income

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.

輸入參數sharestax_yearprice_paidfmv_at_vestfmv_at_grantfiling_statusother_ordinary_income

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.

輸入參數yearsannual_returntarget_amountcurrent_savingsperiods_per_yearcontributions_at_beginning

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.

輸入參數agestatetax_yearbase_incomeroth_balancefiling_statusspending_needhousehold_sizetaxable_balancedeferred_balancetax_exempt_interesttaxable_gain_fraction另有 1 個

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.

輸入參數agemagistatecoverage_yearfiling_statushousehold_sizebenchmark_annual_premium

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.

輸入參數yearsamountdirectionannual_rate

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.

輸入參數yearstax_yearother_incomefiling_statustarget_bracketannual_rmd_floorinherited_balanceaccount_growth_rateother_income_schedule

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.

輸入參數marginal_tax_ratessdi_offsets_groupgross_annual_incomessdi_monthly_benefitemployer_paid_premiumemployer_group_fractionemployer_group_monthly_maxessential_monthly_expensesindividual_monthly_benefittarget_replacement_fraction

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.

輸入參數debtsreal_returnannual_incomeeducation_fundemergency_fundfinal_expensesexisting_assetsmortgage_balanceeffective_tax_rateyears_to_retirementincome_replace_yearssurvivor_annual_income另有 3 個

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.

輸入參數current_agediscount_ratepremium_yearsannual_premiumcare_start_agecare_cost_inflationcare_duration_yearspolicy_benefit_yearspolicy_annual_benefitannual_care_cost_todaypolicy_benefit_inflation

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.

輸入參數agemagitax_yearcompensationfiling_statusspouse_coveredelective_deferralemployer_contributionscovered_by_workplace_planplan_allows_mega_backdoor

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.

輸入參數principalannual_rateterm_monthsinclude_scheduleextra_monthly_payment

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.

輸入參數agesexsecond_agesecond_sexhealth_adjustmentsecond_health_adjustment

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.

輸入參數magiirmaa_yearfiling_status

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.

輸入參數yearprojection_yearspart_b_months_latepart_d_months_late

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.

輸入參數pmi_ratehoa_monthlyterm_monthsback_end_dtidown_paymentannual_incomefront_end_dtiinterest_ratemonthly_debtsinsurance_rateproperty_tax_rate

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.

輸入參數pointsbase_rateloan_amountterm_monthsbuydown_rate

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.

輸入參數new_ratecurrent_rateclosing_costscurrent_balancenew_term_monthsroll_in_closing_costscurrent_remaining_months

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.

輸入參數inflationhome_pricehoa_monthlyrent_growthdown_paymentmonthly_rentmortgage_rateinsurance_rateloan_term_monthsmaintenance_rateclosing_cost_ratehome_appreciation另有 5 個

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.

輸入參數long_rateshort_rateloan_amountlong_term_monthsinvestment_returnshort_term_months

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.

輸入參數end_agecola_ratecurrent_agesurvivor_pctdiscount_ratelump_sum_offermonthly_pensionsurvivor_end_age

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.

輸入參數methodend_agefinal_agerule_baseend_equityglide_typecurrent_ageequity_floorfinal_equitystart_equityequity_ceilingretirement_age

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.

輸入參數bandholdingstax_awarewithdrawalnew_contribution

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.

輸入參數seedyearsaccountsinflationglide_pathcurrent_ageannual_fee_rateescalation_rateexpected_returnnum_simulationsreturn_volatilityemployer_match_rate另有 1 個

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.

輸入參數agetax_yearfiling_statusexisting_basisconversion_amountelective_deferralspretax_ira_balanceplan_after_tax_limitemployer_contributionsnondeductible_contribution

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.

輸入參數ageyearscoveragetax_yearmarginal_ratecurrent_balanceexpected_returnmonths_eligibleannual_contributionuse_last_month_rule

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).

輸入參數seedassetsend_ageinflationrebalanceglide_pathcurrent_agecorrelationsspending_ruleretirement_ageannual_fee_rateannual_spending另有 6 個

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.

輸入參數agesextax_yearstart_agebirth_yearassumed_rateqlac_premiumaccount_balance

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.

輸入參數agetablebirth_yearsecond_ageaccount_balance

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.

輸入參數seedend_ageinflationcurrent_ageother_incomeretirement_ageannual_fee_ratecurrent_savingsexpected_returnnum_simulationswithdrawal_ratereturn_volatility另有 2 個

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.

輸入參數agetax_yearnet_profitexisting_w2_deferrals

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.

輸入參數ageinterest_rateaccount_balance

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.

輸入參數spouse_aspouse_btax_yearon_medicaredeceased_spouseshared_ordinary_income

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.

輸入參數agestrategytax_yearbirth_yearfiling_statusspending_needstate_tax_ratebracket_ceilingtaxable_balancetax_free_balancetax_deferred_balanceother_ordinary_income另有 2 個

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.

輸入參數seedend_agestrategyinflationfloor_multglide_pathcurrent_ageguard_widthceiling_multguard_adjustinitial_rateannual_fee_rate另有 5 個

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.

輸入參數end_agetax_yearbirth_yearcurrent_ageroth_balanceannual_returnfiling_statusirmaa_tier_capstate_tax_ratetarget_bracketexternal_returnconversion_end_age另有 4 個

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.

輸入參數yearsexpected_returncapital_gains_rateinvest_tax_savingsannual_contributioncurrent_marginal_rateretirement_marginal_rate

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.

輸入參數agemagitax_yearcompensationhsa_coveragefiling_statusannual_savingsprior_year_wagesemployer_match_rateemployer_match_cap_pctcovered_by_workplace_plan

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.

輸入參數spouseclaim_agecola_ratebirth_yearpia_monthlydiscount_ratelongevity_ageannual_earningsearnings_test_yearsurvivor_claim_age

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.

輸入參數spouse_aspouse_bdiscount_rate

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.

輸入參數assetstax_yearfiling_statustaxable_incometaxable_balancetax_advantaged_balance

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.

輸入參數tax_yearfiling_statustaxable_income

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.

輸入參數qbistatewagesqbi_ubiatax_yearsalt_paidinclude_amtinclude_qbiqbi_is_sstbllc_expensesqbi_w2_wagessenior_count另有 24 個

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.

輸入參數tax_yearwithholdingfiling_statusprior_year_agiprior_year_taxunderpayment_rateestimated_paymentsprojected_current_tax

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.

輸入參數spouse_aspouse_btax_year

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.

輸入參數magitax_yearfiling_statusrealize_amounttaxable_income

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.

輸入參數tax_yearobjectivecost_basisother_ltcggrowth_ratemarket_valuefiling_statushorizon_yearsstate_tax_ratemax_annual_gainother_ordinary_income

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.

輸入參數statetax_yearsweep_stepsweep_stopinclude_acasweep_startfiling_statusinclude_irmaahousehold_sizesweep_variableordinary_incomequalified_income另有 4 個

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.

輸入參數agetax_yearbirth_yearira_balancefiling_statusintended_giftother_itemizedordinary_incomequalified_incometax_exempt_interestmedicare_beneficiariessocial_security_benefits

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.

輸入參數gainbasistax_yearother_incomefiling_statusacquisition_dateholding_period_yearsgross_assets_at_issuance

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.

輸入參數sstbubiatax_yearmax_salaryother_incomefiling_statusstate_tax_ratebusiness_net_incomereasonable_comp_floor

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.

輸入參數other_incomefiling_statustax_exempt_interestmarginal_ordinary_ratesocial_security_benefits

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.

輸入參數agestatetax_yearfiling_statuspension_incomestate_taxable_incomesocial_security_income

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.

輸入參數tax_yearordinary_incomequalified_incomeconversion_amounttax_exempt_interestsocial_security_lowersocial_security_highersurvivor_ordinary_income

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.

輸入參數tax_yeargrowth_ratefiling_statustaxable_incomeharvestable_lossoffsettable_gainsreinvestment_years

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.

輸入參數taxytd_withheldprior_year_agiprior_year_taxpay_periods_remainingper_paycheck_withholding

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.

輸入參數fvpvpmtnperratesolve_forpayments_at_beginning

版本歷史

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  1. v0.1.5最新Sep 16, 2026

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