QuantCalc Retirement Engine

{'type': 'object', 'required': ['current_age', 'current_savings', 'annual_spending'], 'properties': {'pension': {'type': 'number', 'description': 'Yearly pension income. Default 0.'}, 'sources': {'type': 'array', 'items': {'type': 'string'}, 'description': 'Source ids to compare. Defaults to all.'}, 'allocations': {'type': 'array', 'items': {'type': 'number'}, 'maxItems': 5, 'minItems': 5, 'description': 'Percentages summing to 100: [US stocks, international stocks, bonds, real estate, cash]. Default [60,10,25,5,0].'}, 'current_age': {'type': 'integer', 'description': 'Current age of the primary person.'}, 'ss_start_age': {'type': 'integer', 'description': 'Age Social Security starts. Default 67.'}, 'inflation_rate': {'type': 'number', 'description': 'Annual inflation as a percent, e.g. 2.5. Default 2.5.'}, 'retirement_age': {'type': 'integer', 'description': 'Age work income stops. Defaults to current age.'}, 'returns_source': {'type': 'string', 'description': 'Which published return set to use (see list_return_assumption_sources). Default jpmorgan.'}, 'annual_spending': {'type': 'number', 'description': "Planned yearly spending in today's dollars, before income tax (this tool runs the standard engine, which does not model tax)."}, 'current_savings': {'type': 'number', 'description': 'Total invested portfolio today, in dollars.'}, 'life_expectancy': {'type': 'integer', 'description': 'Age the plan must last until. Default 92.'}, 'social_security': {'type': 'number', 'description': "Yearly Social Security in today's dollars. Default 0 — and 0 is reported as an explicit assumption, not hidden."}, 'pension_start_age': {'type': 'integer', 'description': 'Age the pension starts. Default 65.'}, 'monthly_contribution': {'type': 'number', 'description': 'Monthly savings until retirement. Default 0.'}}}

{'type': 'object', 'properties': {}}

{'type': 'object', 'properties': {}}

{'type': 'object', 'required': ['current_age', 'current_savings', 'annual_spending'], 'properties': {'pension': {'type': 'number', 'description': 'Yearly pension income. Default 0.'}, 'allocations': {'type': 'array', 'items': {'type': 'number'}, 'maxItems': 5, 'minItems': 5, 'description': 'Percentages summing to 100: [US stocks, international stocks, bonds, real estate, cash]. Default [60,10,25,5,0].'}, 'current_age': {'type': 'integer', 'description': 'Current age of the primary person.'}, 'ss_start_age': {'type': 'integer', 'description': 'Age Social Security starts. Default 67.'}, 'inflation_rate': {'type': 'number', 'description': 'Annual inflation as a percent, e.g. 2.5. Default 2.5.'}, 'retirement_age': {'type': 'integer', 'description': 'Age work income stops. Defaults to current age.'}, 'returns_source': {'type': 'string', 'description': 'Which published return set to use (see list_return_assumption_sources). Default jpmorgan.'}, 'annual_spending': {'type': 'number', 'description': "Planned yearly spending in today's dollars, before income tax (this tool runs the standard engine, which does not model tax)."}, 'current_savings': {'type': 'number', 'description': 'Total invested portfolio today, in dollars.'}, 'life_expectancy': {'type': 'integer', 'description': 'Age the plan must last until. Default 92.'}, 'social_security': {'type': 'number', 'description': "Yearly Social Security in today's dollars. Default 0 — and 0 is reported as an explicit assumption, not hidden."}, 'pension_start_age': {'type': 'integer', 'description': 'Age the pension starts. Default 65.'}, 'monthly_contribution': {'type': 'number', 'description': 'Monthly savings until retirement. Default 0.'}}}

{'type': 'object', 'required': ['current_age', 'annual_spending', 'traditional_balance', 'roth_balance', 'taxable_balance', 'filing_status'], 'properties': {'state': {'type': 'string', 'description': "Two-letter state of residence (or DC) for state income tax with that state's retirement-income rules. When absent the result states that no state tax was modelled."}, 'pension': {'type': 'number', 'description': 'Yearly pension income. Default 0.'}, 'annual_qcd': {'type': 'number', 'description': "Yearly qualified charitable distribution from the traditional account, in today's dollars, counted against required minimum distributions. Default 0."}, 'birth_year': {'type': 'integer', 'description': "Year of birth, optional. Must match current_age: 2026 minus current_age, or 2025 minus current_age when this year's birthday is still to come (then every tax rule uses the age reached in each calendar year). Sets the RMD start age (73 if born 1951-1959, 75 if born 1960 or later). Default: 2026 minus current_age, stated in the result."}, 'spouse_age': {'type': 'integer', 'description': "Spouse's current age, for married filing jointly: sets the second aged deduction and Medicare surcharge. Default: the same as current_age, stated in the result."}, 'allocations': {'type': 'array', 'items': {'type': 'number'}, 'maxItems': 5, 'minItems': 5, 'description': 'Percentages summing to 100: [US stocks, international stocks, bonds, real estate, cash]. Default [60,10,25,5,0].'}, 'birth_month': {'type': 'integer', 'description': 'Month of birth, 1-12, optional. Times the half-year rules: the early-withdrawal penalty ends at 59 and a half, charitable distributions start at 70 and a half, Medicare starts in the birthday month. Default: not given, stated in the result.'}, 'current_age': {'type': 'integer', 'description': 'Current age of the primary person.'}, 'roth_balance': {'type': 'number', 'description': 'Roth IRA and Roth 401(k) balance today, in dollars. 0 if none.'}, 'ss_start_age': {'type': 'integer', 'description': 'Age Social Security starts. Default 67.'}, 'filing_status': {'enum': ['single', 'mfj', 'mfs', 'hoh'], 'type': 'string', 'description': 'Federal filing status: single, married filing jointly (mfj), married filing separately (mfs) or head of household (hoh).'}, 'inflation_rate': {'type': 'number', 'description': 'Annual inflation as a percent, e.g. 2.5. Default 2.5.'}, 'retirement_age': {'type': 'integer', 'description': 'Age work income stops. Defaults to current age.'}, 'returns_source': {'type': 'string', 'description': 'Which published return set to use (see list_return_assumption_sources). Default jpmorgan.'}, 'annual_spending': {'type': 'number', 'description': "Planned yearly spending in today's dollars, after tax: what the household keeps. The engine withdraws enough each year to fund this plus that year's federal, state, Medicare-surcharge and penalty tax."}, 'life_expectancy': {'type': 'integer', 'description': 'Age the plan must last until. Default 92.'}, 'roth_conversion': {'type': 'object', 'required': ['annual_amount', 'start_age', 'end_age'], 'properties': {'end_age': {'type': 'integer'}, 'start_age': {'type': 'integer'}, 'annual_amount': {'type': 'number', 'description': "Dollars converted per year, today's dollars."}}, 'description': "The household's own Roth-conversion plan: a fixed amount per year between two ages. When given, the engine applies it on every path and searches withdrawal orders around it instead of searching its own conversion programmes."}, 'social_security': {'type': 'number', 'description': "Yearly Social Security in today's dollars. Default 0 — and 0 is reported as an explicit assumption, not hidden."}, 'taxable_balance': {'type': 'number', 'description': 'Taxable brokerage and savings today, in dollars. 0 if none. The three balances together are the portfolio.'}, 'cost_basis_ratio': {'type': 'number', 'description': 'Percentage of the taxable account that is cost basis, 0-100. Default 40, and the result says so when it is assumed.'}, 'pension_start_age': {'type': 'integer', 'description': 'Age the pension starts. Default 65.'}, 'medicare_start_age': {'type': 'integer', 'description': 'Age Medicare (and its IRMAA income surcharges) begins. Default 65. The year it begins is charged only for the months from the birthday month.'}, 'tax_exempt_interest': {'type': 'number', 'description': 'Yearly municipal-bond interest, which counts toward Social Security taxability and IRMAA income but is not itself taxed. Default 0.'}, 'traditional_balance': {'type': 'number', 'description': 'Pre-tax retirement accounts today (traditional IRA, 401(k), 403(b)), in dollars. 0 if none.'}, 'monthly_contribution': {'type': 'number', 'description': 'Monthly savings until retirement. Default 0.'}}}