every model spec’d & versioned · Concordance-tested changelog →

For developers & AI assistants

Financial models that show their work

Every model here tells you what it takes in, what it computes, what it assumes, and what it leaves out — before you run it. A second, independent implementation has to reproduce the engine exactly before anything ships, every IRS and SSA constant is traced to its source, and when a model changes, the changelog tells you.

Watch the film — Two Implementations or It Doesn’t Ship, 3½ minutes

Two Implementations or It Doesn't Ship · 3:36How every model is verified: a second build from the spec alone, 250 cases per release, a one-part-in-a-billion diff, and a CI gate that blocks on a single disagreement.

Use the models

MCP server (AI assistants): https://worthune.com/api/mcp/mcp — your agent lists the catalog, reads the contract, runs the model. Three tools, no auth, in the official MCP registry as com.worthune/models.

REST API: GET /api/v1/models lists the catalog; every model serves its contract, its full spec, and a POST endpoint that validates before it computes — out-of-range requests get an error, not a quietly adjusted answer. Responses carry their spec version, assumptions, and sourced constants.

Aggregate usage is public at /api/v1/telemetry — counters only, never personal data.

The catalog — 47 Concordance-tested models

ModelSpecTry itContract
relocationv1.0.0calculatorJSON
rent-vs-buyv1.1.0calculatorJSON
firev1.0.1calculatorJSON
roth-vs-traditionalv1.0.1calculatorJSON
refinancev1.0.0calculatorJSON
windfallv1.0.1calculatorJSON
sabbaticalv1.0.0calculatorJSON
one-incomev1.0.0calculatorJSON
second-homev1.1.0calculatorJSON
divorcev1.2.0calculatorJSON
down-paymentv1.0.0calculatorJSON
rsuv1.1.0calculatorJSON
debt-payoffv1.1.0calculatorJSON
student-loan-payoffv1.0.0calculatorJSON
emergency-fundv1.0.0calculatorJSON
salary-jumpv1.0.1calculatorJSON
having-a-childv1.1.0calculatorJSON
weddingv1.1.0calculatorJSON
renovationv1.1.0calculatorJSON
side-businessv1.0.1calculatorJSON
mega-backdoor-rothv1.0.0calculatorJSON
529-college-savingsv1.0.0calculatorJSON
private-schoolv1.2.0calculatorJSON
social-security-timingv1.1.0calculatorJSON
long-term-carev1.1.0calculatorJSON
eldercarev1.1.0calculatorJSON
estate-planningv1.1.0calculatorJSON
auto-loanv1.0.0JSON
loan-comparisonv1.0.0JSON
extra-paymentv1.0.0JSON
biweekly-mortgagev1.0.0JSON
points-break-evenv1.0.0JSON
pmi-removalv1.0.0JSON
arm-vs-fixedv1.0.0JSON
credit-card-minimumv1.0.0JSON
rmdv1.0.0JSON
roth-conversion-ladderv1.0.0JSON
backdoor-rothv1.0.0JSON
employer-matchv1.0.0JSON
capital-gainsv1.0.0JSON
quarterly-estimatesv1.0.0JSON
esppv1.0.0JSON
burn-rate-runwayv1.0.0JSON
safe-dilutionv1.0.0JSON
option-poolv1.0.0JSON
equipment-lease-vs-buyv1.0.0JSON
sba-loan-costv1.0.0JSON

Model changes are never silent — the full version history is at /models/changelog. Before any change ships, an independent implementation written from the spec alone has to agree with the engine’s results, across 250 open test cases per model checked against textbook values — how Concordance testing works. Models are illustrative planning tools, not financial advice.