eldercare

POST /api/v1/models/eldercare
{
  "parentAge": 75,
  "careStartAge": 80,
  "careDurationYears": 8,
  "careType": "in-home-basic",
  "parentAssets": 500000,
  "yourCurrentSavings": 1000000,
  "yourMonthlySavings": 5000,
  "annualReturnRate": 7.5
}

{
  "ok": true,
  "model": "eldercare",
  "specVersion": "1.0.1",
  "contractUrl": "/api/v1/models/eldercare",
  "specUrl": "/api/v1/models/eldercare/spec",
  "inputs": {
    "parentAge": 75,
    "careStartAge": 80,
    "careDurationYears": 8,
    "careType": "in-home-basic",
    "parentAssets": 500000,
    "yourCurrentSavings": 1000000,
    "yourMonthlySavings": 5000,
    "annualReturnRate": 7.5
  },
  "outputs": {
    "monthlyCareTypeCost": 2500,
    "annualCareTypeCost": 30000,
    "totalProjectedCareCost": 240000,
    "parentAssetsRunoutAge": 88,
    "yourShareOfCost": 0,
    "yourMonthlyBurden": 0,
    "retirementSavingsImpact": 0,
    "retirementSavingsWithoutCare": 14958919.340144027,
    "retirementSavingsWithCare": 14958919.340144027,
    "fireImpactYears": 0,
    "yearlyData": [
      {
        "year": 2026,
        "parentAssets": 717814.6630859374,
        "yourSavings": 1135000,
        "cumulativeCost": 0
      },
      {
        "year": 2027,
        "parentAssets": 717814.6630859374,
        "yourSavings": 1280125,
        "cumulativeCost": 0
      },
      "… 28 more"
    ]
  },
  "sentinels": [],
  "assumptions": [
    "Implements model spec eldercare v1.0.1 (dual-implementation verified).",
    "careStartAge must be at least parentAge",
    "annualReturnRate is in PERCENT points (e.g. 7 = 7%), not a decimal"
  ],
  "facts": [],
  "record": {
    "sha256": "8c69a449d3b685b188fb09660cc545b777afb8e8c96ea89e12b4a257c88efb03",
    "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."
}