{"model":"rmd","specVersion":"1.0.0","specUrl":"/api/v1/models/rmd/spec","inputs":{"currentAge":{"kind":"int","min":60,"max":95},"accountBalance":{"kind":"float","min":10000,"max":10000000},"expectedReturn":{"kind":"float","min":0,"max":0.12},"yearsToProject":{"kind":"int","min":1,"max":30}},"arrayInputs":{},"constraints":["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."],"sentinels":[],"facts":[{"id":"irs.uniform-lifetime.divisor-at-73","label":"Uniform Lifetime Table applicable denominator at age 73 (first RMD year, SECURE 2.0)","value":26.5,"period":"2022 tables (current)","source":"IRS Publication 590-B (2025), Appendix B, Table III (Uniform Lifetime)"},{"id":"irs.uniform-lifetime.divisor-at-120plus","label":"Uniform Lifetime Table applicable denominator, age 120 and over","value":2,"period":"2022 tables (current)","source":"IRS Publication 590-B (2025), Appendix B, Table III (Uniform Lifetime)"}],"disclaimer":"Illustrative planning model, not financial advice. Outputs follow the published model spec exactly; read the spec for assumptions and exclusions before relying on any number."}