Docs · Model reference

inherited-ira-10-year

spec v1.0.0 · 250 open cases

Full specification JSON contract Evidence pack

Inputs

Field	Type	Valid domain
inheritedBalance	float	1,000 – 10,000,000
annualReturnPct	float	0 – 12
marginalRatePct	float	0 – 50
afterTaxReturnPct	float	0 – 12

All three rates are PERCENT points. Flat marginal rate by design — probe bracket dynamics by re-running with each timing's expected rate (spec assumptions).

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/inherited-ira-10-year
{
  "inheritedBalance": 5001000,
  "annualReturnPct": 6,
  "marginalRatePct": 25,
  "afterTaxReturnPct": 6
}

Response (chart arrays compacted)

{
  "ok": true,
  "model": "inherited-ira-10-year",
  "specVersion": "1.0.0",
  "contractUrl": "/api/v1/models/inherited-ira-10-year",
  "specUrl": "/api/v1/models/inherited-ira-10-year/spec",
  "inputs": {
    "inheritedBalance": 5001000,
    "annualReturnPct": 6,
    "marginalRatePct": 25,
    "afterTaxReturnPct": 6
  },
  "outputs": {
    "lumpTotalWithdrawn": 8956029.330410816,
    "lumpTotalTax": 2239007.332602704,
    "lumpWealthAtYear10": 6717021.997808112,
    "evenTotalWithdrawn": 6987218.483725768,
    "evenTotalTax": 1746804.620931442,
    "evenWealthAtYear10": 6717021.99780811,
    "evenYearOneWithdrawal": 530106,
    "evenVsLumpWealthDelta": -1.862645149230957e-9
  },
  "sentinels": [],
  "assumptions": [
    "Implements model spec inherited-ira-10-year v1.0.0 (Concordance-tested: independently reimplemented from the spec).",
    "All three rates are PERCENT points. Flat marginal rate by design — probe bracket dynamics by re-running with each timing's expected rate (spec assumptions)."
  ],
  "facts": [],
  "record": {
    "sha256": "cb771b377b3f11a88b5c61cefb3afb9730c6e8b7a4d4dd127a35f8a3f8ef6e67",
    "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.