Inputs
| Field | Type | Valid domain |
|---|---|---|
| currentAge | int | 60 – 95 |
| accountBalance | float | 10,000 – 10,000,000 |
| expectedReturn | float | 0 – 0.12 |
| yearsToProject | int | 1 – 30 |
- Uniform Lifetime Table only (owner not >10 years older than a sole-beneficiary spouse; account not inherited). RMD start age follows the SECURE 2.0 birth cohort under the TY2026 pin: currentAge ≤ 66 → 75, currentAge ≥ 67 → 73.
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/rmd
{
"currentAge": 78,
"accountBalance": 5005000,
"expectedReturn": 0.06,
"yearsToProject": 16
}Response (chart arrays compacted)
{
"ok": true,
"model": "rmd",
"specVersion": "1.0.0",
"contractUrl": "/api/v1/models/rmd",
"specUrl": "/api/v1/models/rmd/spec",
"inputs": {
"currentAge": 78,
"accountBalance": 5005000,
"expectedReturn": 0.06,
"yearsToProject": 16
},
"outputs": {
"rmdStartAge": 73,
"currentYearRmd": 227500,
"totalRmds": 5293489.469880676,
"endingBalance": 4178324.430114742,
"yearlyData": [
{
"age": 78,
"divisor": 22,
"rmd": 227500,
"endingBalance": 5064150
},
{
"age": 79,
"divisor": 21.1,
"rmd": 240007.10900473932,
"endingBalance": 5113591.464454976
},
"… 14 more"
]
},
"sentinels": [],
"assumptions": [
"Implements model spec rmd v1.0.0 (dual-implementation verified).",
"Uniform Lifetime Table only (owner not >10 years older than a sole-beneficiary spouse; account not inherited). RMD start age follows the SECURE 2.0 birth cohort under the TY2026 pin: currentAge ≤ 66 → 75, currentAge ≥ 67 → 73."
],
"facts": [
{
"id": "irs.uniform-lifetime.divisor-at-73",
"label": "Uniform Lifetime Table applicable denominator at age 73 (first RMD year, SECURE 2.0)",
"value": 26.5,
"period": "2022 tables (current)",
"source": "IRS Publication 590-B (2025), Appendix B, Table III (Uniform Lifetime)"
},
{
"id": "irs.uniform-lifetime.divisor-at-120plus",
"label": "Uniform Lifetime Table applicable denominator, age 120 and over",
"value": 2,
"period": "2022 tables (current)",
"source": "IRS Publication 590-B (2025), Appendix B, Table III (Uniform Lifetime)"
}
],
"record": {
"sha256": "bf16a76de2895cc50fcf99d7207e69d3bfabab18cedbb64acfee5a2501e95102",
"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.