Docs · Model reference

estate-planning

Verified · spec v1.1.0

Full specification JSON contract Live demo calculator

Inputs

Field	Type	Valid domain
totalEstateValue	float	500,000 – 50,000,000
retirementAccounts	float	0 – 10,000,000
lifeInsurance	float	0 – 5,000,000
totalDebts	float	0 – 5,000,000
annualGifting	float	0 – 500,000
charitableGiving	float	0 – 5,000,000
numberOfHeirs	int	1 – 10
estateTaxExemption	float	1,000,000 – 25,000,000
stateTaxRate	float	0 – 20
yourAge	int	40 – 90
annualGrowthRate	float	1 – 12
yearsToProject	int	5 – 30

stateTaxRate and annualGrowthRate are in PERCENT points, not decimals

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/estate-planning
{
  "totalEstateValue": 25250000,
  "retirementAccounts": 5000000,
  "lifeInsurance": 2500000,
  "totalDebts": 2500000,
  "annualGifting": 250000,
  "charitableGiving": 2500000,
  "numberOfHeirs": 6,
  "estateTaxExemption": 13000000,
  "stateTaxRate": 10,
  "yourAge": 65,
  "annualGrowthRate": 6.5,
  "yearsToProject": 18
}

Response (chart arrays compacted)

{
  "ok": true,
  "model": "estate-planning",
  "specVersion": "1.1.0",
  "contractUrl": "/api/v1/models/estate-planning",
  "specUrl": "/api/v1/models/estate-planning/spec",
  "inputs": {
    "totalEstateValue": 25250000,
    "retirementAccounts": 5000000,
    "lifeInsurance": 2500000,
    "totalDebts": 2500000,
    "annualGifting": 250000,
    "charitableGiving": 2500000,
    "numberOfHeirs": 6,
    "estateTaxExemption": 13000000,
    "stateTaxRate": 10,
    "yourAge": 65,
    "annualGrowthRate": 6.5,
    "yearsToProject": 18
  },
  "outputs": {
    "grossEstate": 27750000,
    "adjustedGrossEstate": 22750000,
    "taxableEstate": 9750000,
    "federalEstateTax": 3900000,
    "stateEstateTax": 2275000,
    "totalEstateTax": 6175000,
    "netEstateToHeirs": 15375000,
    "perHeirInheritance": 2562500,
    "incomeOnRetirementAccounts": 1200000,
    "effectiveTaxRate": 32.417582417582416,
    "giftingBenefit10Years": 1140000,
    "projectedEstateAt": [
      {
        "age": 70,
        "value": 29919472,
        "taxBurden": 9759736
      },
      {
        "age": 75,
        "value": 40204877,
        "taxBurden": 14902439
      },
      {
        "age": 80,
        "value": 54759383,
        "taxBurden": 22179691
      }
    ]
  },
  "sentinels": [],
  "assumptions": [
    "Implements model spec estate-planning v1.1.0 (dual-implementation verified).",
    "stateTaxRate and annualGrowthRate are in PERCENT points, not decimals"
  ],
  "facts": [
    {
      "id": "irs.estate-tax.top-rate",
      "label": "Federal estate tax top marginal rate",
      "value": 0.4,
      "period": "2013+ (ATRA, permanent)",
      "source": "IRC §2001(c); IRS Estate Tax overview"
    },
    {
      "id": "irs.gift.annual-exclusion.2026",
      "label": "Annual gift tax exclusion (per recipient)",
      "value": 19000,
      "period": "TY2026",
      "source": "IRS TY2026 inflation adjustments (Rev. Proc. 2025-32 newsroom page — 'remains at $19,000')"
    }
  ],
  "record": {
    "sha256": "044d2cbe24ca6464885afb1e534e17b20aa385b4c3df5af14319f7a2d462f469",
    "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.