Docs · Model reference

divorce

Verified · spec v1.1.0

Full specification JSON contract Live demo calculator

Inputs

Field	Type	Valid domain
combinedAssets	float	50,000 – 5,000,000
combinedDebt	float	0 – 1,000,000
homeValue	float	0 – 3,000,000
homeMortgageBalance	float	0 – 2,000,000
retirementAssets	float	0 – 3,000,000
splitRatio	int	0 – 100
yourCurrentIncome	float	1,000 – 30,000
alimonyMonthly	float	-5,000 – 5,000
childSupportMonthly	float	-3,000 – 3,000
legalFees	float	5,000 – 150,000
yourAge	int	25 – 65
yearsToRetirement	int	1 – 40
annualReturnRate	float	3 – 12

annualReturnRate is in PERCENT points (e.g. 7 = 7%), not a decimal

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

Sentinel values

breakEvenAge = 99 → sentinel offset: breakEvenAge = yourAge + 99 when the monthly surplus is 0

Responses annotate these in a sentinels array with a triggered flag per run.

Live example — generated from the real engine

Request

POST /api/v1/models/divorce
{
  "combinedAssets": 2525000,
  "combinedDebt": 500000,
  "homeValue": 1500000,
  "homeMortgageBalance": 1000000,
  "retirementAssets": 1500000,
  "splitRatio": 50,
  "yourCurrentIncome": 16000,
  "alimonyMonthly": 0,
  "childSupportMonthly": 0,
  "legalFees": 78000,
  "yourAge": 45,
  "yearsToRetirement": 21,
  "annualReturnRate": 7.5
}

Response (chart arrays compacted)

{
  "ok": true,
  "model": "divorce",
  "specVersion": "1.1.0",
  "contractUrl": "/api/v1/models/divorce",
  "specUrl": "/api/v1/models/divorce/spec",
  "inputs": {
    "combinedAssets": 2525000,
    "combinedDebt": 500000,
    "homeValue": 1500000,
    "homeMortgageBalance": 1000000,
    "retirementAssets": 1500000,
    "splitRatio": 50,
    "yourCurrentIncome": 16000,
    "alimonyMonthly": 0,
    "childSupportMonthly": 0,
    "legalFees": 78000,
    "yourAge": 45,
    "yearsToRetirement": 21,
    "annualReturnRate": 7.5
  },
  "outputs": {
    "yourNetAssets": 934500,
    "yourRetirementShare": 750000,
    "yourHomeEquityShare": 250000,
    "yourDebtShare": 250000,
    "monthlyIncomeAfterObligations": 16000,
    "monthsToRebuildEmergencyFund": 30,
    "projectedRetirementAt65": 5374076.337062095,
    "projectedRetirementWithoutDivorce": 4886764.740188517,
    "retirementGap": -487311.5968735786,
    "breakEvenAge": 47,
    "yearlyData": [
      {
        "year": 2026,
        "savings": 844650,
        "cumulativeCost": 78000
      },
      {
        "year": 2027,
        "savings": 946399,
        "cumulativeCost": 78000
      },
      "… 20 more"
    ]
  },
  "sentinels": [
    {
      "field": "breakEvenAge",
      "value": 99,
      "meaning": "sentinel offset: breakEvenAge = yourAge + 99 when the monthly surplus is 0",
      "triggered": false
    }
  ],
  "assumptions": [
    "Implements model spec divorce v1.1.0 (dual-implementation verified).",
    "annualReturnRate is in PERCENT points (e.g. 7 = 7%), not a decimal"
  ],
  "facts": [],
  "record": {
    "sha256": "373d504dd54e03cbf67c37feb6d2acfe1edeb6c4682405a2f0540152a3e1574f",
    "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.