emergency-fund

POST /api/v1/models/emergency-fund
{
  "monthlyExpenses": 10000,
  "targetMonths": 7,
  "currentSavings": 50000,
  "monthlySavings": 2500,
  "savingsAccountRate": 0.05
}

{
  "ok": true,
  "model": "emergency-fund",
  "specVersion": "1.0.0",
  "contractUrl": "/api/v1/models/emergency-fund",
  "specUrl": "/api/v1/models/emergency-fund/spec",
  "inputs": {
    "monthlyExpenses": 10000,
    "targetMonths": 7,
    "currentSavings": 50000,
    "monthlySavings": 2500,
    "savingsAccountRate": 0.05
  },
  "outputs": {
    "targetAmount": 70000,
    "monthsToGoal": 8,
    "yearsToGoal": 0.6666666666666666,
    "interestEarned": 1985.2857506217988,
    "projectedBalance": [
      {
        "month": 0,
        "balance": 50000,
        "target": 70000
      },
      {
        "month": 1,
        "balance": 52708.333333333336,
        "target": 70000
      },
      "… 7 more"
    ],
    "coverageByMonth": [
      {
        "month": 0,
        "monthsCovered": 5
      },
      {
        "month": 1,
        "monthsCovered": 5.270833333333334
      },
      "… 7 more"
    ]
  },
  "sentinels": [
    {
      "field": "monthsToGoal",
      "value": 240,
      "meaning": "goal not reached within 240 months (yearsToGoal = 20 is the never-sentinel in years)",
      "triggered": false
    }
  ],
  "assumptions": [
    "Implements model spec emergency-fund v1.0.0 (dual-implementation verified)."
  ],
  "facts": [],
  "record": {
    "sha256": "193846e35e9bde82213608b21a69c33051bbfb6198274d6a263e717b0c5acba9",
    "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."
}