bracket-fill

POST /api/v1/models/bracket-fill
{
  "traditionalBalance": 2505000,
  "annualOtherTaxableIncome": 400000,
  "filingStatus": "single",
  "fillToRatePct": 10,
  "years": 11,
  "growthRate": 0.06
}

{
  "ok": true,
  "model": "bracket-fill",
  "specVersion": "1.0.0",
  "contractUrl": "/api/v1/models/bracket-fill",
  "specUrl": "/api/v1/models/bracket-fill/spec",
  "inputs": {
    "traditionalBalance": 2505000,
    "annualOtherTaxableIncome": 400000,
    "filingStatus": "single",
    "fillToRatePct": 10,
    "years": 11,
    "growthRate": 0.06
  },
  "outputs": {
    "bracketTop": 12400,
    "annualRoom": 0,
    "totalConverted": 0,
    "totalConversionTax": 0,
    "averageEffectiveRate": 0,
    "yearsConverting": 0,
    "remainingTraditionalBalance": 4755237.888630241,
    "yearlyData": [
      {
        "year": 1,
        "conversion": 0,
        "tax": 0,
        "endingBalance": 2655300
      },
      {
        "year": 2,
        "conversion": 0,
        "tax": 0,
        "endingBalance": 2814618
      },
      "… 9 more"
    ]
  },
  "sentinels": [],
  "assumptions": [
    "Implements model spec bracket-fill v1.0.0 (Concordance-tested: independently reimplemented from the spec).",
    "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."
  ],
  "facts": [
    {
      "id": "irs.brackets.single.top-of-10pct.2026",
      "label": "Top of 10% ordinary bracket, single (vintage marker for the TY2026 table)",
      "value": 12400,
      "period": "TY2026",
      "source": "IRS TY2026 inflation adjustments (Rev. Proc. 2025-32)"
    },
    {
      "id": "irs.brackets.mfj.top-of-10pct.2026",
      "label": "Top of 10% ordinary bracket, MFJ (vintage marker for the TY2026 table)",
      "value": 24800,
      "period": "TY2026",
      "source": "IRS TY2026 inflation adjustments (Rev. Proc. 2025-32)"
    }
  ],
  "record": {
    "sha256": "d34864f1d7a2f5b24b872e9ded0c56ab0ee9c9fe54e930ceb5d643eba3e8e651",
    "fields": [
      "model",
      "specVersion",
      "inputs",
      "outputs"
    ],
    "model": "bracket-fill",
    "specVersion": "1.0.0",
    "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. The signature proves Worthune minted the hash: Ed25519 over \"worthune-record:v1:\" + sha256, checked against the key with this keyId at /api/v1/records/keys.",
    "signature": {
      "alg": "Ed25519",
      "keyId": "rk_1c0d1a4f745f3947",
      "value": "K2Uophzy3Wr9QOiS5oulahxTAbhq-PcxelPSErg0F-JUPXkbvjRVbC4A6SQ70DDDsx-fCZLpXJS6YgRBYrn4Bw",
      "message": "worthune-record:v1:d34864f1d7a2f5b24b872e9ded0c56ab0ee9c9fe54e930ceb5d643eba3e8e651"
    }
  },
  "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."
}