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Docs · Model reference

auto-loan

Verified · spec v1.0.0

Inputs

FieldTypeValid domain
vehiclePricefloat3,000 – 300,000
downPaymentfloat0 – 100,000
tradeInValuefloat0 – 100,000
salesTaxRatefloat0 – 0.12
titleAndFeesfloat0 – 5,000
annualRatefloat0 – 0.25
termMonthsint12 – 96

All fields required. Out-of-domain values are rejected with per-field errors — never clamped. Unknown fields are rejected.

Live example — generated from the real engine

Request
POST /api/v1/models/auto-loan
{
  "vehiclePrice": 152000,
  "downPayment": 50000,
  "tradeInValue": 50000,
  "salesTaxRate": 0.06,
  "titleAndFees": 2500,
  "annualRate": 0.13,
  "termMonths": 54
}
Response (chart arrays compacted)
{
  "ok": true,
  "model": "auto-loan",
  "specVersion": "1.0.0",
  "contractUrl": "/api/v1/models/auto-loan",
  "specUrl": "/api/v1/models/auto-loan/spec",
  "inputs": {
    "vehiclePrice": 152000,
    "downPayment": 50000,
    "tradeInValue": 50000,
    "salesTaxRate": 0.06,
    "titleAndFees": 2500,
    "annualRate": 0.13,
    "termMonths": 54
  },
  "outputs": {
    "loanAmount": 60620,
    "salesTax": 6120,
    "monthlyPayment": 1488.6852426432145,
    "totalInterest": 19769.00310273358,
    "totalPaid": 80389.00310273358,
    "yearlyBalances": [
      {
        "year": 1,
        "balance": 50019.505799987106
      },
      {
        "year": 2,
        "balance": 37955.79907921293
      },
      "… 3 more"
    ]
  },
  "sentinels": [],
  "assumptions": [
    "Implements model spec auto-loan v1.0.0 (dual-implementation verified)."
  ],
  "facts": [],
  "record": {
    "sha256": "b0e94cd2540446e30bcc1376a9ebb30d04d06de5e6dbed103411f88c00bc5261",
    "fields": [
      "model",
      "specVersion",
      "inputs",
      "outputs"
    ],
    "howToVerify": "Store this record with any advice or agent output built on these numbers. To verify later: build {model, specVersion, inputs, outputs} from the stored response, serialize as JSON with object keys sorted recursively (no whitespace), and SHA-256 it — a match proves the numbers came from this spec version with these inputs, unaltered."
  },
  "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."
}

This example is executed against the production engine when the page builds — it cannot drift from the API's real behavior.