Docs · Model reference

side-business

Verified · spec v1.0.1

Full specification JSON contract Live demo calculator

Inputs

Field	Type	Valid domain
sideIncomeMonthly	float	200 – 20,000
selfEmploymentTaxRate	float	0.1 – 0.2
incomeTaxRate	float	0.1 – 0.37
businessExpensesMonthly	float	0 – 5,000
currentSavings	float	0 – 1,000,000
currentMonthlySavings	float	200 – 10,000
annualReturn	float	0.02 – 0.12
yearsHorizon	int	5 – 40
currentAge	int	18 – 70

annualReturn must stay > 0 (NaN at 0)

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/side-business
{
  "sideIncomeMonthly": 10000,
  "selfEmploymentTaxRate": 0.15,
  "incomeTaxRate": 0.24,
  "businessExpensesMonthly": 2500,
  "currentSavings": 500000,
  "currentMonthlySavings": 5100,
  "annualReturn": 0.07,
  "yearsHorizon": 23,
  "currentAge": 44
}

Response (chart arrays compacted)

{
  "ok": true,
  "model": "side-business",
  "specVersion": "1.0.1",
  "contractUrl": "/api/v1/models/side-business",
  "specUrl": "/api/v1/models/side-business/spec",
  "inputs": {
    "sideIncomeMonthly": 10000,
    "selfEmploymentTaxRate": 0.15,
    "incomeTaxRate": 0.24,
    "businessExpensesMonthly": 2500,
    "currentSavings": 500000,
    "currentMonthlySavings": 5100,
    "annualReturn": 0.07,
    "yearsHorizon": 23,
    "currentAge": 44
  },
  "outputs": {
    "grossSideIncome": 7500,
    "netSideIncome": 4575,
    "additionalMonthlySavings": 4575,
    "fireAccelerationYears": 4,
    "wealthAtHorizonWithout": 5849453.866410045,
    "wealthAtHorizonWith": 8970490.999207105,
    "additionalWealth": 3121037.1327970605,
    "yearlyData": [
      {
        "year": 44,
        "without": 500000,
        "with": 500000
      },
      {
        "year": 45,
        "without": 596200,
        "with": 651100
      },
      "… 22 more"
    ]
  },
  "sentinels": [],
  "assumptions": [
    "Implements model spec side-business v1.0.1 (dual-implementation verified).",
    "annualReturn must stay > 0 (NaN at 0)"
  ],
  "facts": [],
  "record": {
    "sha256": "68e35f00bf65fd3329aefe38f922822e2d67c179f6a45e0bb91c8b9c8ffb7779",
    "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.