{ "openapi": "3.1.1", "info": { "title": "KlarFort Calculators", "version": "1.0.0", "description": "20 illustrative calculators. Free for personal, commercial and any other lawful use with credit to KlarFort at https://klarfort.com/. Third-party data terms still apply.", "license": { "name": "KlarFort free-tools permission", "url": "https://klarfort.com/tools/docs/license/" } }, "servers": [ { "url": "https://klarfort.com" } ], "paths": { "/tools/api/v1/cagr-calculator": { "get": { "operationId": "get_cagr_calculator", "summary": "Calculate compound annual growth and total return from starting and ending values, or solve for a future value, present value or investment duration.", "parameters": [ { "name": "input", "in": "query", "required": true, "content": { "application/json": { "schema": { "$ref": "#/components/schemas/cagr-calculator" }, "example": { "currency": "USD", "mode": "calculate", "startValue": 10000, "endValue": 20000, "years": 10, "annualReturn": 7 } } } } ], "responses": { "200": { "description": "Calculated result", "content": { "application/json": { "schema": { "$ref": "#/components/schemas/ResultEnvelope" } } } }, "400": { "description": "Invalid input" }, "429": { "description": "Request limit" } } }, "post": { "operationId": "post_cagr_calculator", "summary": "Calculate compound annual growth and total return from starting and ending values, or solve for a future value, present value or investment duration.", "requestBody": { "required": true, "content": { "application/json": { "schema": { "$ref": "#/components/schemas/cagr-calculator" }, "example": { "currency": "USD", "mode": "calculate", "startValue": 10000, "endValue": 20000, "years": 10, "annualReturn": 7 } } } }, "responses": { "200": { "description": "Calculated result", "content": { "application/json": { "schema": { "$ref": "#/components/schemas/ResultEnvelope" } } } }, "400": { "description": "Invalid input" }, "413": { "description": "Input exceeds 16 KiB" }, "429": { "description": "Request limit" } } } }, "/tools/api/v1/car-loan-calculator": { "get": { "operationId": "get_car_loan_calculator", "summary": "Compare buying, leasing or keeping a car over the same period. Include loan payments, depreciation, negative equity and electric or petrol running costs.", "parameters": [ { "name": "input", "in": "query", "required": true, "content": { "application/json": { "schema": { "$ref": "#/components/schemas/car-loan-calculator" }, "example": { "currency": "USD", "purchasePrice": 30000, "downPayment": 5000, "annualRate": 6, "loanMonths": 60, "horizonMonths": 60, "powertrain": "petrol", "annualDepreciationPercent": 15, "annualInsurance": 1200, "annualMaintenance": 600, "annualDistance": 15000, "petrolLitresPer100": 7, "petrolPrice": 1.5, "evKWhPer100": 18, "electricityPrice": 0.2, "evPricePremium": 5000, "chargerCost": 1000, "currentCarValue": 10000, "currentLoanBalance": 5000, "currentLoanRate": 5, "currentLoanMonths": 24, "currentDepreciationPercent": 10, "currentAnnualInsurance": 900, "currentAnnualMaintenance": 1200, "leaseMonthly": 450, "leaseUpfront": 2000, "leaseEndFee": 300, "leaseAnnualDistance": 15000, "leaseExcessDistanceFee": 0.15 } } } } ], "responses": { "200": { "description": "Calculated result", "content": { "application/json": { "schema": { "$ref": "#/components/schemas/ResultEnvelope" } } } }, "400": { "description": "Invalid input" }, "429": { "description": "Request limit" } } }, "post": { "operationId": "post_car_loan_calculator", "summary": "Compare buying, leasing or keeping a car over the same period. Include loan payments, depreciation, negative equity and electric or petrol running costs.", "requestBody": { "required": true, "content": { "application/json": { "schema": { "$ref": "#/components/schemas/car-loan-calculator" }, "example": { "currency": "USD", "purchasePrice": 30000, "downPayment": 5000, "annualRate": 6, "loanMonths": 60, "horizonMonths": 60, "powertrain": "petrol", "annualDepreciationPercent": 15, "annualInsurance": 1200, "annualMaintenance": 600, "annualDistance": 15000, "petrolLitresPer100": 7, "petrolPrice": 1.5, "evKWhPer100": 18, "electricityPrice": 0.2, "evPricePremium": 5000, "chargerCost": 1000, "currentCarValue": 10000, "currentLoanBalance": 5000, "currentLoanRate": 5, "currentLoanMonths": 24, "currentDepreciationPercent": 10, "currentAnnualInsurance": 900, "currentAnnualMaintenance": 1200, "leaseMonthly": 450, "leaseUpfront": 2000, "leaseEndFee": 300, "leaseAnnualDistance": 15000, "leaseExcessDistanceFee": 0.15 } } } }, "responses": { "200": { "description": "Calculated result", "content": { "application/json": { "schema": { "$ref": "#/components/schemas/ResultEnvelope" } } } }, "400": { "description": "Invalid input" }, "413": { "description": "Input exceeds 16 KiB" }, "429": { "description": "Request limit" } } } }, "/tools/api/v1/compound-interest-calculator": { "get": { "operationId": "get_compound_interest_calculator", "summary": "Project lump-sum and monthly investment growth with compound interest. Include rising contributions, inflation and the first-million milestone.", "parameters": [ { "name": "input", "in": "query", "required": true, "content": { "application/json": { "schema": { "$ref": "#/components/schemas/compound-interest-calculator" }, "example": { "currency": "USD", "principal": 10000, "months": 12, "monthlyContribution": 0, "annualReturn": 0, "mode": "sip", "contributionGrowth": 0, "inflationRate": 0, "startMonth": "2026-09" } } } } ], "responses": { "200": { "description": "Calculated result", "content": { "application/json": { "schema": { "$ref": "#/components/schemas/ResultEnvelope" } } } }, "400": { "description": "Invalid input" }, "429": { "description": "Request limit" } } }, "post": { "operationId": "post_compound_interest_calculator", "summary": "Project lump-sum and monthly investment growth with compound interest. Include rising contributions, inflation and the first-million milestone.", "requestBody": { "required": true, "content": { "application/json": { "schema": { "$ref": "#/components/schemas/compound-interest-calculator" }, "example": { "currency": "USD", "principal": 10000, "months": 12, "monthlyContribution": 0, "annualReturn": 0, "mode": "sip", "contributionGrowth": 0, "inflationRate": 0, "startMonth": "2026-09" } } } }, "responses": { "200": { "description": "Calculated result", "content": { "application/json": { "schema": { "$ref": "#/components/schemas/ResultEnvelope" } } } }, "400": { "description": "Invalid input" }, "413": { "description": "Input exceeds 16 KiB" }, "429": { "description": "Request limit" } } } }, "/tools/api/v1/crypto-converter": { "get": { "operationId": "get_crypto_converter", "summary": "Convert crypto to fiat or fiat to crypto after entered fees. Model regular purchases with an assumed price change in a forward DCA scenario.", "parameters": [ { "name": "input", "in": "query", "required": true, "content": { "application/json": { "schema": { "$ref": "#/components/schemas/crypto-converter" }, "example": { "symbol": "BTC", "currency": "USD", "mode": "convert", "direction": "coin-to-fiat", "price": 50000, "fxRate": 1, "amount": 1, "monthlyContribution": 100, "months": 12, "annualReturn": 0, "feePercent": 0, "initialInvestment": 0 } } } } ], "responses": { "200": { "description": "Calculated result", "content": { "application/json": { "schema": { "$ref": "#/components/schemas/ResultEnvelope" } } } }, "400": { "description": "Invalid input" }, "429": { "description": "Request limit" } } }, "post": { "operationId": "post_crypto_converter", "summary": "Convert crypto to fiat or fiat to crypto after entered fees. Model regular purchases with an assumed price change in a forward DCA scenario.", "requestBody": { "required": true, "content": { "application/json": { "schema": { "$ref": "#/components/schemas/crypto-converter" }, "example": { "symbol": "BTC", "currency": "USD", "mode": "convert", "direction": "coin-to-fiat", "price": 50000, "fxRate": 1, "amount": 1, "monthlyContribution": 100, "months": 12, "annualReturn": 0, "feePercent": 0, "initialInvestment": 0 } } } }, "responses": { "200": { "description": "Calculated result", "content": { "application/json": { "schema": { "$ref": "#/components/schemas/ResultEnvelope" } } } }, "400": { "description": "Invalid input" }, "413": { "description": "Input exceeds 16 KiB" }, "429": { "description": "Request limit" } } } }, "/tools/api/v1/crypto-trading-calculator": { "get": { "operationId": "get_crypto_trading_calculator", "summary": "Calculate crypto trade profit after fees, isolated liquidation estimates, position size and staking rewards. Convert nominal APR and effective APY.", "parameters": [ { "name": "input", "in": "query", "required": true, "content": { "application/json": { "schema": { "$ref": "#/components/schemas/crypto-trading-calculator" }, "example": { "symbol": "BTC", "mode": "profit-loss", "side": "long", "entryPrice": 50000, "exitPrice": 55000, "quantity": 1, "entryFeePercent": 0.1, "exitFeePercent": 0.1, "fundingCost": 0, "margin": 1000, "leverage": 10, "maintenanceMarginPercent": 0.5, "accountEquity": 10000, "riskPercent": 1, "stopPrice": 45000, "principal": 100, "annualRate": 5, "rateKind": "apr", "compoundingPeriods": 12, "months": 12, "stakingFeePercent": 0 } } } } ], "responses": { "200": { "description": "Calculated result", "content": { "application/json": { "schema": { "$ref": "#/components/schemas/ResultEnvelope" } } } }, "400": { "description": "Invalid input" }, "429": { "description": "Request limit" } } }, "post": { "operationId": "post_crypto_trading_calculator", "summary": "Calculate crypto trade profit after fees, isolated liquidation estimates, position size and staking rewards. Convert nominal APR and effective APY.", "requestBody": { "required": true, "content": { "application/json": { "schema": { "$ref": "#/components/schemas/crypto-trading-calculator" }, "example": { "symbol": "BTC", "mode": "profit-loss", "side": "long", "entryPrice": 50000, "exitPrice": 55000, "quantity": 1, "entryFeePercent": 0.1, "exitFeePercent": 0.1, "fundingCost": 0, "margin": 1000, "leverage": 10, "maintenanceMarginPercent": 0.5, "accountEquity": 10000, "riskPercent": 1, "stopPrice": 45000, "principal": 100, "annualRate": 5, "rateKind": "apr", "compoundingPeriods": 12, "months": 12, "stakingFeePercent": 0 } } } }, "responses": { "200": { "description": "Calculated result", "content": { "application/json": { "schema": { "$ref": "#/components/schemas/ResultEnvelope" } } } }, "400": { "description": "Invalid input" }, "413": { "description": "Input exceeds 16 KiB" }, "429": { "description": "Request limit" } } } }, "/tools/api/v1/currency-converter": { "get": { "operationId": "get_currency_converter", "summary": "Convert currencies and check a transfer quote. Compare the reference rate, quoted rate and fee to see the amount received and effective exchange rate.", "parameters": [ { "name": "input", "in": "query", "required": true, "content": { "application/json": { "schema": { "$ref": "#/components/schemas/currency-converter" }, "example": { "fromCurrency": "USD", "toCurrency": "AED", "amount": 1000, "midMarketRate": 3.6725, "quotedRate": 3.65, "fee": 5, "feeMode": "deducted" } } } } ], "responses": { "200": { "description": "Calculated result", "content": { "application/json": { "schema": { "$ref": "#/components/schemas/ResultEnvelope" } } } }, "400": { "description": "Invalid input" }, "429": { "description": "Request limit" } } }, "post": { "operationId": "post_currency_converter", "summary": "Convert currencies and check a transfer quote. Compare the reference rate, quoted rate and fee to see the amount received and effective exchange rate.", "requestBody": { "required": true, "content": { "application/json": { "schema": { "$ref": "#/components/schemas/currency-converter" }, "example": { "fromCurrency": "USD", "toCurrency": "AED", "amount": 1000, "midMarketRate": 3.6725, "quotedRate": 3.65, "fee": 5, "feeMode": "deducted" } } } }, "responses": { "200": { "description": "Calculated result", "content": { "application/json": { "schema": { "$ref": "#/components/schemas/ResultEnvelope" } } } }, "400": { "description": "Invalid input" }, "413": { "description": "Input exceeds 16 KiB" }, "429": { "description": "Request limit" } } } }, "/tools/api/v1/debt-payoff-calculator": { "get": { "operationId": "get_debt_payoff_calculator", "summary": "Compare debt avalanche, snowball and consolidation payoff plans. Include promotional rates, minimum payments, transfer fees and protected emergency cash.", "parameters": [ { "name": "input", "in": "query", "required": true, "content": { "application/json": { "schema": { "$ref": "#/components/schemas/debt-payoff-calculator" }, "example": { "currency": "USD", "debts": [ { "balance": 5000, "annualRate": 18, "promoRate": 0, "promoEndMonth": "", "minimumType": "fixed", "minimumPayment": 100, "minimumPercent": 2, "transferFeePercent": 0 }, { "balance": 2000, "annualRate": 12, "promoRate": 0, "promoEndMonth": "", "minimumType": "fixed", "minimumPayment": 50, "minimumPercent": 2, "transferFeePercent": 0 } ], "strategy": "avalanche", "startMonth": "2026-09", "monthlyBudget": 400, "availableCash": 0, "emergencyCashFloor": 0, "maxMonths": 600, "consolidationRate": 8, "consolidationMonths": 36, "consolidationFeePercent": 0 } } } } ], "responses": { "200": { "description": "Calculated result", "content": { "application/json": { "schema": { "$ref": "#/components/schemas/ResultEnvelope" } } } }, "400": { "description": "Invalid input" }, "429": { "description": "Request limit" } } }, "post": { "operationId": "post_debt_payoff_calculator", "summary": "Compare debt avalanche, snowball and consolidation payoff plans. Include promotional rates, minimum payments, transfer fees and protected emergency cash.", "requestBody": { "required": true, "content": { "application/json": { "schema": { "$ref": "#/components/schemas/debt-payoff-calculator" }, "example": { "currency": "USD", "debts": [ { "balance": 5000, "annualRate": 18, "promoRate": 0, "promoEndMonth": "", "minimumType": "fixed", "minimumPayment": 100, "minimumPercent": 2, "transferFeePercent": 0 }, { "balance": 2000, "annualRate": 12, "promoRate": 0, "promoEndMonth": "", "minimumType": "fixed", "minimumPayment": 50, "minimumPercent": 2, "transferFeePercent": 0 } ], "strategy": "avalanche", "startMonth": "2026-09", "monthlyBudget": 400, "availableCash": 0, "emergencyCashFloor": 0, "maxMonths": 600, "consolidationRate": 8, "consolidationMonths": 36, "consolidationFeePercent": 0 } } } }, "responses": { "200": { "description": "Calculated result", "content": { "application/json": { "schema": { "$ref": "#/components/schemas/ResultEnvelope" } } } }, "400": { "description": "Invalid input" }, "413": { "description": "Input exceeds 16 KiB" }, "429": { "description": "Request limit" } } } }, "/tools/api/v1/deposit-calculator": { "get": { "operationId": "get_deposit_calculator", "summary": "Calculate compound deposit interest after entered tax and withdrawal penalties. Compare a single deposit with an equally funded deposit ladder.", "parameters": [ { "name": "input", "in": "query", "required": true, "content": { "application/json": { "schema": { "$ref": "#/components/schemas/deposit-calculator" }, "example": { "currency": "USD", "principal": 10000, "annualRate": 4, "compoundsPerYear": 12, "months": 12, "taxPercent": 0, "withdrawAfterMonths": 0, "penaltyInterestMonths": 0, "mode": "single", "ladderRungs": 3, "ladderSpacingMonths": 12, "ladderRateStep": 0 } } } } ], "responses": { "200": { "description": "Calculated result", "content": { "application/json": { "schema": { "$ref": "#/components/schemas/ResultEnvelope" } } } }, "400": { "description": "Invalid input" }, "429": { "description": "Request limit" } } }, "post": { "operationId": "post_deposit_calculator", "summary": "Calculate compound deposit interest after entered tax and withdrawal penalties. Compare a single deposit with an equally funded deposit ladder.", "requestBody": { "required": true, "content": { "application/json": { "schema": { "$ref": "#/components/schemas/deposit-calculator" }, "example": { "currency": "USD", "principal": 10000, "annualRate": 4, "compoundsPerYear": 12, "months": 12, "taxPercent": 0, "withdrawAfterMonths": 0, "penaltyInterestMonths": 0, "mode": "single", "ladderRungs": 3, "ladderSpacingMonths": 12, "ladderRateStep": 0 } } } }, "responses": { "200": { "description": "Calculated result", "content": { "application/json": { "schema": { "$ref": "#/components/schemas/ResultEnvelope" } } } }, "400": { "description": "Invalid input" }, "413": { "description": "Input exceeds 16 KiB" }, "429": { "description": "Request limit" } } } }, "/tools/api/v1/dividend-calculator": { "get": { "operationId": "get_dividend_calculator", "summary": "Estimate dividend income, reinvestment growth and capital needed for an income target. Enter yield, dividend growth, price growth and dividend tax.", "parameters": [ { "name": "input", "in": "query", "required": true, "content": { "application/json": { "schema": { "$ref": "#/components/schemas/dividend-calculator" }, "example": { "currency": "USD", "mode": "projection", "principal": 10000, "months": 12, "monthlyContribution": 0, "monthlyIncomeTarget": 1000, "dividendYield": 4, "dividendGrowth": 0, "priceGrowth": 0, "taxRate": 0, "reinvest": true } } } } ], "responses": { "200": { "description": "Calculated result", "content": { "application/json": { "schema": { "$ref": "#/components/schemas/ResultEnvelope" } } } }, "400": { "description": "Invalid input" }, "429": { "description": "Request limit" } } }, "post": { "operationId": "post_dividend_calculator", "summary": "Estimate dividend income, reinvestment growth and capital needed for an income target. Enter yield, dividend growth, price growth and dividend tax.", "requestBody": { "required": true, "content": { "application/json": { "schema": { "$ref": "#/components/schemas/dividend-calculator" }, "example": { "currency": "USD", "mode": "projection", "principal": 10000, "months": 12, "monthlyContribution": 0, "monthlyIncomeTarget": 1000, "dividendYield": 4, "dividendGrowth": 0, "priceGrowth": 0, "taxRate": 0, "reinvest": true } } } }, "responses": { "200": { "description": "Calculated result", "content": { "application/json": { "schema": { "$ref": "#/components/schemas/ResultEnvelope" } } } }, "400": { "description": "Invalid input" }, "413": { "description": "Input exceeds 16 KiB" }, "429": { "description": "Request limit" } } } }, "/tools/api/v1/fire-calculator": { "get": { "operationId": "get_fire_calculator", "summary": "Estimate your financial independence target, saving timeline and Coast FIRE balance using spending, income, inflation and withdrawal assumptions.", "parameters": [ { "name": "input", "in": "query", "required": true, "content": { "application/json": { "schema": { "$ref": "#/components/schemas/fire-calculator" }, "example": { "currency": "USD", "mode": "standard", "principal": 100000, "monthlyExpenses": 2000, "withdrawalRate": 4, "annualReturn": 0, "inflationRate": 0, "savingMode": "amount", "monthlyContribution": 1000, "monthlyIncome": 5000, "savingsRate": 20, "monthlyBaristaIncome": 0, "monthlyPension": 0, "retirementMonths": 240, "startMonth": "2026-09" } } } } ], "responses": { "200": { "description": "Calculated result", "content": { "application/json": { "schema": { "$ref": "#/components/schemas/ResultEnvelope" } } } }, "400": { "description": "Invalid input" }, "429": { "description": "Request limit" } } }, "post": { "operationId": "post_fire_calculator", "summary": "Estimate your financial independence target, saving timeline and Coast FIRE balance using spending, income, inflation and withdrawal assumptions.", "requestBody": { "required": true, "content": { "application/json": { "schema": { "$ref": "#/components/schemas/fire-calculator" }, "example": { "currency": "USD", "mode": "standard", "principal": 100000, "monthlyExpenses": 2000, "withdrawalRate": 4, "annualReturn": 0, "inflationRate": 0, "savingMode": "amount", "monthlyContribution": 1000, "monthlyIncome": 5000, "savingsRate": 20, "monthlyBaristaIncome": 0, "monthlyPension": 0, "retirementMonths": 240, "startMonth": "2026-09" } } } }, "responses": { "200": { "description": "Calculated result", "content": { "application/json": { "schema": { "$ref": "#/components/schemas/ResultEnvelope" } } } }, "400": { "description": "Invalid input" }, "413": { "description": "Input exceeds 16 KiB" }, "429": { "description": "Request limit" } } } }, "/tools/api/v1/inflation-calculator": { "get": { "operationId": "get_inflation_calculator", "summary": "Compare purchasing power between available years using national CPI data. Calculate equivalent amounts, cumulative inflation and annualized change.", "parameters": [ { "name": "input", "in": "query", "required": true, "content": { "application/json": { "schema": { "$ref": "#/components/schemas/inflation-calculator" }, "example": { "amount": 1000, "country": "USA", "startYear": 2000, "endYear": 2024 } } } } ], "responses": { "200": { "description": "Calculated result", "content": { "application/json": { "schema": { "$ref": "#/components/schemas/ResultEnvelope" } } } }, "400": { "description": "Invalid input" }, "429": { "description": "Request limit" } } }, "post": { "operationId": "post_inflation_calculator", "summary": "Compare purchasing power between available years using national CPI data. Calculate equivalent amounts, cumulative inflation and annualized change.", "requestBody": { "required": true, "content": { "application/json": { "schema": { "$ref": "#/components/schemas/inflation-calculator" }, "example": { "amount": 1000, "country": "USA", "startYear": 2000, "endYear": 2024 } } } }, "responses": { "200": { "description": "Calculated result", "content": { "application/json": { "schema": { "$ref": "#/components/schemas/ResultEnvelope" } } } }, "400": { "description": "Invalid input" }, "413": { "description": "Input exceeds 16 KiB" }, "429": { "description": "Request limit" } } } }, "/tools/api/v1/investment-growth-calculator": { "get": { "operationId": "get_investment_growth_calculator", "summary": "Compare gross, after-fee, after-tax and inflation-adjusted investment growth. Model contributions, withdrawals and a range of simulated outcomes.", "parameters": [ { "name": "input", "in": "query", "required": true, "content": { "application/json": { "schema": { "$ref": "#/components/schemas/investment-growth-calculator" }, "example": { "currency": "USD", "principal": 10000, "months": 12, "monthlyContribution": 0, "annualReturn": 0, "mode": "after-tax", "monthlyWithdrawal": 0, "annualVolatility": 0, "annualFee": 0, "taxRate": 0, "inflationRate": 0, "contributionGrowth": 0, "paths": 1000, "seed": "44af4bef64b738ab" } } } } ], "responses": { "200": { "description": "Calculated result", "content": { "application/json": { "schema": { "$ref": "#/components/schemas/ResultEnvelope" } } } }, "400": { "description": "Invalid input" }, "429": { "description": "Request limit" } } }, "post": { "operationId": "post_investment_growth_calculator", "summary": "Compare gross, after-fee, after-tax and inflation-adjusted investment growth. Model contributions, withdrawals and a range of simulated outcomes.", "requestBody": { "required": true, "content": { "application/json": { "schema": { "$ref": "#/components/schemas/investment-growth-calculator" }, "example": { "currency": "USD", "principal": 10000, "months": 12, "monthlyContribution": 0, "annualReturn": 0, "mode": "after-tax", "monthlyWithdrawal": 0, "annualVolatility": 0, "annualFee": 0, "taxRate": 0, "inflationRate": 0, "contributionGrowth": 0, "paths": 1000, "seed": "44af4bef64b738ab" } } } }, "responses": { "200": { "description": "Calculated result", "content": { "application/json": { "schema": { "$ref": "#/components/schemas/ResultEnvelope" } } } }, "400": { "description": "Invalid input" }, "413": { "description": "Input exceeds 16 KiB" }, "429": { "description": "Request limit" } } } }, "/tools/api/v1/loan-calculator": { "get": { "operationId": "get_loan_calculator", "summary": "Calculate monthly loan payments, total interest and payoff time. Compare flat and reducing interest, extra payments and an amortization schedule.", "parameters": [ { "name": "input", "in": "query", "required": true, "content": { "application/json": { "schema": { "$ref": "#/components/schemas/loan-calculator" }, "example": { "currency": "USD", "principal": 20000, "annualRate": 6, "months": 60, "rateType": "reducing", "extraMonthly": 0, "lumpSum": 0, "lumpSumMonth": 1, "originationFee": 0 } } } } ], "responses": { "200": { "description": "Calculated result", "content": { "application/json": { "schema": { "$ref": "#/components/schemas/ResultEnvelope" } } } }, "400": { "description": "Invalid input" }, "429": { "description": "Request limit" } } }, "post": { "operationId": "post_loan_calculator", "summary": "Calculate monthly loan payments, total interest and payoff time. Compare flat and reducing interest, extra payments and an amortization schedule.", "requestBody": { "required": true, "content": { "application/json": { "schema": { "$ref": "#/components/schemas/loan-calculator" }, "example": { "currency": "USD", "principal": 20000, "annualRate": 6, "months": 60, "rateType": "reducing", "extraMonthly": 0, "lumpSum": 0, "lumpSumMonth": 1, "originationFee": 0 } } } }, "responses": { "200": { "description": "Calculated result", "content": { "application/json": { "schema": { "$ref": "#/components/schemas/ResultEnvelope" } } } }, "400": { "description": "Invalid input" }, "413": { "description": "Input exceeds 16 KiB" }, "429": { "description": "Request limit" } } } }, "/tools/api/v1/mortgage-calculator": { "get": { "operationId": "get_mortgage_calculator", "summary": "Estimate mortgage payments and total housing costs. Check after-tax affordability, deposit requirements, cash reserves and income-loss scenarios.", "parameters": [ { "name": "input", "in": "query", "required": true, "content": { "application/json": { "schema": { "$ref": "#/components/schemas/mortgage-calculator" }, "example": { "currency": "USD", "homePrice": 400000, "downPayment": 80000, "annualRate": 5, "months": 300, "afterTaxMonthlyIncome": 7000, "monthlyLivingCosts": 2500, "monthlySavings": 500, "annualPropertyTax": 2400, "annualInsurance": 1200, "maintenancePercent": 1, "monthlyServiceCharges": 150, "cashSavings": 120000, "closingCosts": 10000, "reserveMonths": 6, "jobLossMonths": 3, "maxLoanToValuePercent": 80, "stressRateIncrease": 2 } } } } ], "responses": { "200": { "description": "Calculated result", "content": { "application/json": { "schema": { "$ref": "#/components/schemas/ResultEnvelope" } } } }, "400": { "description": "Invalid input" }, "429": { "description": "Request limit" } } }, "post": { "operationId": "post_mortgage_calculator", "summary": "Estimate mortgage payments and total housing costs. Check after-tax affordability, deposit requirements, cash reserves and income-loss scenarios.", "requestBody": { "required": true, "content": { "application/json": { "schema": { "$ref": "#/components/schemas/mortgage-calculator" }, "example": { "currency": "USD", "homePrice": 400000, "downPayment": 80000, "annualRate": 5, "months": 300, "afterTaxMonthlyIncome": 7000, "monthlyLivingCosts": 2500, "monthlySavings": 500, "annualPropertyTax": 2400, "annualInsurance": 1200, "maintenancePercent": 1, "monthlyServiceCharges": 150, "cashSavings": 120000, "closingCosts": 10000, "reserveMonths": 6, "jobLossMonths": 3, "maxLoanToValuePercent": 80, "stressRateIncrease": 2 } } } }, "responses": { "200": { "description": "Calculated result", "content": { "application/json": { "schema": { "$ref": "#/components/schemas/ResultEnvelope" } } } }, "400": { "description": "Invalid input" }, "413": { "description": "Input exceeds 16 KiB" }, "429": { "description": "Request limit" } } } }, "/tools/api/v1/net-worth-calculator": { "get": { "operationId": "get_net_worth_calculator", "summary": "Calculate assets minus debts with editable item lists. Optionally compare household net worth in 2022 US dollars with Survey of Consumer Finances data.", "parameters": [ { "name": "input", "in": "query", "required": true, "content": { "application/json": { "schema": { "$ref": "#/components/schemas/net-worth-calculator" }, "example": { "currency": "USD", "assets": [ { "name": "Cash and investments", "amount": 100000 }, { "name": "Property", "amount": 200000 } ], "liabilities": [ { "name": "Mortgage and loans", "amount": 100000 } ], "compareUS": false, "ageGroup": "all" } } } } ], "responses": { "200": { "description": "Calculated result", "content": { "application/json": { "schema": { "$ref": "#/components/schemas/ResultEnvelope" } } } }, "400": { "description": "Invalid input" }, "429": { "description": "Request limit" } } }, "post": { "operationId": "post_net_worth_calculator", "summary": "Calculate assets minus debts with editable item lists. Optionally compare household net worth in 2022 US dollars with Survey of Consumer Finances data.", "requestBody": { "required": true, "content": { "application/json": { "schema": { "$ref": "#/components/schemas/net-worth-calculator" }, "example": { "currency": "USD", "assets": [ { "name": "Cash and investments", "amount": 100000 }, { "name": "Property", "amount": 200000 } ], "liabilities": [ { "name": "Mortgage and loans", "amount": 100000 } ], "compareUS": false, "ageGroup": "all" } } } }, "responses": { "200": { "description": "Calculated result", "content": { "application/json": { "schema": { "$ref": "#/components/schemas/ResultEnvelope" } } } }, "400": { "description": "Invalid input" }, "413": { "description": "Input exceeds 16 KiB" }, "429": { "description": "Request limit" } } } }, "/tools/api/v1/overpay-or-invest": { "get": { "operationId": "get_overpay_or_invest", "summary": "Compare mortgage overpayments with investing spare cash. See payoff dates, end wealth, liquidity and simulated outcomes using equal monthly budgets.", "parameters": [ { "name": "input", "in": "query", "required": true, "content": { "application/json": { "schema": { "$ref": "#/components/schemas/overpay-or-invest" }, "example": { "currency": "USD", "principal": 300000, "homeValue": 400000, "mortgageRate": 5, "mortgageMonths": 300, "extraMonthly": 500, "horizonMonths": 300, "investmentReturn": 6, "volatility": 15, "paths": 250, "seed": "731f4821e09868c9", "initialInvestment": 20000, "protectedCash": 10000, "overpaymentClosingCost": 0, "monthlyMortgageInsurance": 0, "insuranceRemovalLTV": 78 } } } } ], "responses": { "200": { "description": "Calculated result", "content": { "application/json": { "schema": { "$ref": "#/components/schemas/ResultEnvelope" } } } }, "400": { "description": "Invalid input" }, "429": { "description": "Request limit" } } }, "post": { "operationId": "post_overpay_or_invest", "summary": "Compare mortgage overpayments with investing spare cash. See payoff dates, end wealth, liquidity and simulated outcomes using equal monthly budgets.", "requestBody": { "required": true, "content": { "application/json": { "schema": { "$ref": "#/components/schemas/overpay-or-invest" }, "example": { "currency": "USD", "principal": 300000, "homeValue": 400000, "mortgageRate": 5, "mortgageMonths": 300, "extraMonthly": 500, "horizonMonths": 300, "investmentReturn": 6, "volatility": 15, "paths": 250, "seed": "731f4821e09868c9", "initialInvestment": 20000, "protectedCash": 10000, "overpaymentClosingCost": 0, "monthlyMortgageInsurance": 0, "insuranceRemovalLTV": 78 } } } }, "responses": { "200": { "description": "Calculated result", "content": { "application/json": { "schema": { "$ref": "#/components/schemas/ResultEnvelope" } } } }, "400": { "description": "Invalid input" }, "413": { "description": "Input exceeds 16 KiB" }, "429": { "description": "Request limit" } } } }, "/tools/api/v1/rent-vs-buy-calculator": { "get": { "operationId": "get_rent_vs_buy_calculator", "summary": "Compare renting and buying over the same period, including mortgage costs, rent growth, home value changes, transaction costs and invested savings.", "parameters": [ { "name": "input", "in": "query", "required": true, "content": { "application/json": { "schema": { "$ref": "#/components/schemas/rent-vs-buy-calculator" }, "example": { "currency": "USD", "homePrice": 400000, "downPayment": 80000, "annualMortgageRate": 5, "mortgageMonths": 300, "horizonMonths": 120, "buyingCostsPercent": 3, "sellingCostsPercent": 3, "homeAppreciation": 0, "monthlyRent": 1800, "rentGrowth": 0, "investmentReturn": 0, "annualPropertyTaxPercent": 0, "annualMaintenancePercent": 1, "annualHomeInsurance": 1200, "monthlyServiceCharges": 150, "annualRentersInsurance": 200, "costInflation": 0 } } } } ], "responses": { "200": { "description": "Calculated result", "content": { "application/json": { "schema": { "$ref": "#/components/schemas/ResultEnvelope" } } } }, "400": { "description": "Invalid input" }, "429": { "description": "Request limit" } } }, "post": { "operationId": "post_rent_vs_buy_calculator", "summary": "Compare renting and buying over the same period, including mortgage costs, rent growth, home value changes, transaction costs and invested savings.", "requestBody": { "required": true, "content": { "application/json": { "schema": { "$ref": "#/components/schemas/rent-vs-buy-calculator" }, "example": { "currency": "USD", "homePrice": 400000, "downPayment": 80000, "annualMortgageRate": 5, "mortgageMonths": 300, "horizonMonths": 120, "buyingCostsPercent": 3, "sellingCostsPercent": 3, "homeAppreciation": 0, "monthlyRent": 1800, "rentGrowth": 0, "investmentReturn": 0, "annualPropertyTaxPercent": 0, "annualMaintenancePercent": 1, "annualHomeInsurance": 1200, "monthlyServiceCharges": 150, "annualRentersInsurance": 200, "costInflation": 0 } } } }, "responses": { "200": { "description": "Calculated result", "content": { "application/json": { "schema": { "$ref": "#/components/schemas/ResultEnvelope" } } } }, "400": { "description": "Invalid input" }, "413": { "description": "Input exceeds 16 KiB" }, "429": { "description": "Request limit" } } } }, "/tools/api/v1/retirement-calculator": { "get": { "operationId": "get_retirement_calculator", "summary": "Project retirement savings with contributions, pension income, changing spending, inflation and withdrawals. Explore simulated balances and shortfall risk.", "parameters": [ { "name": "input", "in": "query", "required": true, "content": { "application/json": { "schema": { "$ref": "#/components/schemas/retirement-calculator" }, "example": { "currency": "USD", "principal": 10000, "months": 12, "monthlyContribution": 0, "annualReturn": 0, "retirementMonth": 1, "monthlyExpenses": 1000, "pensionStartMonth": 1, "monthlyPension": 0, "annualVolatility": 0, "annualFee": 0, "taxRate": 0, "inflationRate": 0, "paths": 1000, "seed": "bcedbf7e441e38da", "lifeStages": [] } } } } ], "responses": { "200": { "description": "Calculated result", "content": { "application/json": { "schema": { "$ref": "#/components/schemas/ResultEnvelope" } } } }, "400": { "description": "Invalid input" }, "429": { "description": "Request limit" } } }, "post": { "operationId": "post_retirement_calculator", "summary": "Project retirement savings with contributions, pension income, changing spending, inflation and withdrawals. Explore simulated balances and shortfall risk.", "requestBody": { "required": true, "content": { "application/json": { "schema": { "$ref": "#/components/schemas/retirement-calculator" }, "example": { "currency": "USD", "principal": 10000, "months": 12, "monthlyContribution": 0, "annualReturn": 0, "retirementMonth": 1, "monthlyExpenses": 1000, "pensionStartMonth": 1, "monthlyPension": 0, "annualVolatility": 0, "annualFee": 0, "taxRate": 0, "inflationRate": 0, "paths": 1000, "seed": "bcedbf7e441e38da", "lifeStages": [] } } } }, "responses": { "200": { "description": "Calculated result", "content": { "application/json": { "schema": { "$ref": "#/components/schemas/ResultEnvelope" } } } }, "400": { "description": "Invalid input" }, "413": { "description": "Input exceeds 16 KiB" }, "429": { "description": "Request limit" } } } }, "/tools/api/v1/runway-calculator": { "get": { "operationId": "get_runway_calculator", "summary": "Estimate how long liquid savings cover expenses. Compare spending and income changes, job loss, a sabbatical and simulated cash drawdown.", "parameters": [ { "name": "input", "in": "query", "required": true, "content": { "application/json": { "schema": { "$ref": "#/components/schemas/runway-calculator" }, "example": { "currency": "USD", "mode": "scenarios", "scenario": "current", "liquidAssets": 12000, "monthlyIncome": 2000, "monthlyExpenses": 3000, "obligationsDue12Months": 0, "leaveMonths": 6, "incomeDuringLeave": 0, "horizonMonths": 120, "variancePercent": 10, "paths": 1000, "seed": "6d43b8fa7170a06d" } } } } ], "responses": { "200": { "description": "Calculated result", "content": { "application/json": { "schema": { "$ref": "#/components/schemas/ResultEnvelope" } } } }, "400": { "description": "Invalid input" }, "429": { "description": "Request limit" } } }, "post": { "operationId": "post_runway_calculator", "summary": "Estimate how long liquid savings cover expenses. Compare spending and income changes, job loss, a sabbatical and simulated cash drawdown.", "requestBody": { "required": true, "content": { "application/json": { "schema": { "$ref": "#/components/schemas/runway-calculator" }, "example": { "currency": "USD", "mode": "scenarios", "scenario": "current", "liquidAssets": 12000, "monthlyIncome": 2000, "monthlyExpenses": 3000, "obligationsDue12Months": 0, "leaveMonths": 6, "incomeDuringLeave": 0, "horizonMonths": 120, "variancePercent": 10, "paths": 1000, "seed": "6d43b8fa7170a06d" } } } }, "responses": { "200": { "description": "Calculated result", "content": { "application/json": { "schema": { "$ref": "#/components/schemas/ResultEnvelope" } } } }, "400": { "description": "Invalid input" }, "413": { "description": "Input exceeds 16 KiB" }, "429": { "description": "Request limit" } } } }, "/tools/api/v1/savings-goal-calculator": { "get": { "operationId": "get_savings_goal_calculator", "summary": "Find the monthly saving needed for a goal or estimate how long it will take. Include existing savings, assumed returns and a 50/30/20 budget illustration.", "parameters": [ { "name": "input", "in": "query", "required": true, "content": { "application/json": { "schema": { "$ref": "#/components/schemas/savings-goal-calculator" }, "example": { "currency": "USD", "principal": 10000, "months": 12, "monthlyContribution": 0, "annualReturn": 0, "mode": "required-monthly", "goal": 50000, "monthlyIncome": 5000 } } } } ], "responses": { "200": { "description": "Calculated result", "content": { "application/json": { "schema": { "$ref": "#/components/schemas/ResultEnvelope" } } } }, "400": { "description": "Invalid input" }, "429": { "description": "Request limit" } } }, "post": { "operationId": "post_savings_goal_calculator", "summary": "Find the monthly saving needed for a goal or estimate how long it will take. Include existing savings, assumed returns and a 50/30/20 budget illustration.", "requestBody": { "required": true, "content": { "application/json": { "schema": { "$ref": "#/components/schemas/savings-goal-calculator" }, "example": { "currency": "USD", "principal": 10000, "months": 12, "monthlyContribution": 0, "annualReturn": 0, "mode": "required-monthly", "goal": 50000, "monthlyIncome": 5000 } } } }, "responses": { "200": { "description": "Calculated result", "content": { "application/json": { "schema": { "$ref": "#/components/schemas/ResultEnvelope" } } } }, "400": { "description": "Invalid input" }, "413": { "description": "Input exceeds 16 KiB" }, "429": { "description": "Request limit" } } } } }, "components": { "schemas": { "cagr-calculator": { "type": "object", "additionalProperties": false, "properties": { "currency": { "type": "string", "title": "Currency", "description": "Currency", "enum": [ "USD", "EUR", "GBP", "JPY", "CHF", "CAD", "AUD", "CNY", "INR", "MXN", "BRL", "SGD", "HKD", "SEK", "NOK", "DKK", "NZD", "ZAR", "KRW", "TRY", "PLN", "CZK", "HUF", "AED", "THB", "IDR", "MYR", "PHP" ], "default": "USD" }, "mode": { "type": "string", "title": "Calculation mode", "description": "Calculation mode", "enum": [ "calculate", "future-value", "present-value", "years" ], "default": "calculate" }, "startValue": { "type": "number", "title": "Starting value", "description": "Starting value", "default": 10000, "minimum": 0, "maximum": 1000000000000 }, "endValue": { "type": "number", "title": "Ending value", "description": "Ending value", "default": 20000, "minimum": 0, "maximum": 1000000000000 }, "years": { "type": "number", "title": "Years", "description": "Years", "default": 10, "minimum": 0.000001, "maximum": 100 }, "annualReturn": { "type": "number", "title": "Annual growth rate (%)", "description": "Annual growth rate (%)", "default": 7, "minimum": -99, "maximum": 100 } }, "required": [ "currency", "mode", "startValue", "endValue", "years", "annualReturn" ] }, "car-loan-calculator": { "title": "Car loan, lease and ownership calculator", "type": "object", "additionalProperties": false, "properties": { "currency": { "type": "string", "title": "Currency", "description": "Currency", "enum": [ "USD", "EUR", "GBP", "JPY", "CHF", "CAD", "AUD", "CNY", "INR", "MXN", "BRL", "SGD", "HKD", "SEK", "NOK", "DKK", "NZD", "ZAR", "KRW", "TRY", "PLN", "CZK", "HUF", "AED", "THB", "IDR", "MYR", "PHP" ], "default": "USD" }, "purchasePrice": { "type": "number", "title": "Petrol vehicle purchase price", "description": "Petrol vehicle purchase price", "minimum": 0, "maximum": 1000000000, "default": 30000 }, "downPayment": { "type": "number", "title": "Cash deposit", "description": "Cash deposit", "minimum": 0, "maximum": 1000000000, "default": 5000 }, "annualRate": { "type": "number", "title": "Annual interest rate (%)", "description": "Annual interest rate (%)", "minimum": 0, "maximum": 100, "default": 6 }, "loanMonths": { "type": "integer", "title": "New vehicle loan months", "description": "New vehicle loan months", "minimum": 1, "maximum": 600, "default": 60 }, "horizonMonths": { "type": "integer", "title": "Comparison horizon months", "description": "Comparison horizon months", "minimum": 1, "maximum": 600, "default": 60 }, "powertrain": { "type": "string", "title": "Vehicle for buy and lease comparison", "description": "Vehicle for buy and lease comparison", "enum": [ "petrol", "ev" ], "default": "petrol" }, "annualDepreciationPercent": { "type": "number", "title": "New vehicle annual depreciation (%)", "description": "New vehicle annual depreciation (%)", "minimum": 0, "maximum": 100, "default": 15 }, "annualInsurance": { "type": "number", "title": "New vehicle annual insurance", "description": "New vehicle annual insurance", "minimum": 0, "maximum": 1000000000, "default": 1200 }, "annualMaintenance": { "type": "number", "title": "New vehicle annual maintenance", "description": "New vehicle annual maintenance", "minimum": 0, "maximum": 1000000000, "default": 600 }, "annualDistance": { "type": "number", "title": "Annual distance (km)", "description": "Annual distance (km)", "minimum": 0, "maximum": 1000000, "default": 15000 }, "petrolLitresPer100": { "type": "number", "title": "Petrol litres per 100 km", "description": "Petrol litres per 100 km", "minimum": 0, "maximum": 100, "default": 7 }, "petrolPrice": { "type": "number", "title": "Petrol price per litre", "description": "Petrol price per litre", "minimum": 0, "maximum": 100, "default": 1.5 }, "evKWhPer100": { "type": "number", "title": "EV kWh per 100 km", "description": "EV kWh per 100 km", "minimum": 0, "maximum": 200, "default": 18 }, "electricityPrice": { "type": "number", "title": "Electricity price per kWh", "description": "Electricity price per kWh", "minimum": 0, "maximum": 100, "default": 0.2 }, "evPricePremium": { "type": "number", "title": "EV price difference above petrol", "description": "EV price difference above petrol", "minimum": 0, "maximum": 1000000000, "default": 5000 }, "chargerCost": { "type": "number", "title": "Upfront EV charger cost", "description": "Upfront EV charger cost", "minimum": 0, "maximum": 1000000000, "default": 1000 }, "currentCarValue": { "type": "number", "title": "Current car trade-in value", "description": "Current car trade-in value", "minimum": 0, "maximum": 1000000000, "default": 10000 }, "currentLoanBalance": { "type": "number", "title": "Current car loan balance", "description": "Current car loan balance", "minimum": 0, "maximum": 1000000000, "default": 5000 }, "currentLoanRate": { "type": "number", "title": "Current car annual loan rate (%)", "description": "Current car annual loan rate (%)", "minimum": 0, "maximum": 100, "default": 5 }, "currentLoanMonths": { "type": "integer", "title": "Current loan remaining months", "description": "Current loan remaining months", "minimum": 1, "maximum": 600, "default": 24 }, "currentDepreciationPercent": { "type": "number", "title": "Current car annual depreciation (%)", "description": "Current car annual depreciation (%)", "minimum": 0, "maximum": 100, "default": 10 }, "currentAnnualInsurance": { "type": "number", "title": "Current car annual insurance", "description": "Current car annual insurance", "minimum": 0, "maximum": 1000000000, "default": 900 }, "currentAnnualMaintenance": { "type": "number", "title": "Current car annual maintenance", "description": "Current car annual maintenance", "minimum": 0, "maximum": 1000000000, "default": 1200 }, "leaseMonthly": { "type": "number", "title": "Monthly lease quote for this horizon", "description": "Monthly lease quote for this horizon", "minimum": 0, "maximum": 1000000000, "default": 450 }, "leaseUpfront": { "type": "number", "title": "Lease upfront payment", "description": "Lease upfront payment", "minimum": 0, "maximum": 1000000000, "default": 2000 }, "leaseEndFee": { "type": "number", "title": "Lease end fee", "description": "Lease end fee", "minimum": 0, "maximum": 1000000000, "default": 300 }, "leaseAnnualDistance": { "type": "number", "title": "Lease annual km allowance", "description": "Lease annual km allowance", "minimum": 0, "maximum": 1000000, "default": 15000 }, "leaseExcessDistanceFee": { "type": "number", "title": "Lease charge per excess km", "description": "Lease charge per excess km", "minimum": 0, "maximum": 100, "default": 0.15 } }, "required": [ "currency", "purchasePrice", "downPayment", "annualRate", "loanMonths", "horizonMonths", "powertrain", "annualDepreciationPercent", "annualInsurance", "annualMaintenance", "annualDistance", "petrolLitresPer100", "petrolPrice", "evKWhPer100", "electricityPrice", "evPricePremium", "chargerCost", "currentCarValue", "currentLoanBalance", "currentLoanRate", "currentLoanMonths", "currentDepreciationPercent", "currentAnnualInsurance", "currentAnnualMaintenance", "leaseMonthly", "leaseUpfront", "leaseEndFee", "leaseAnnualDistance", "leaseExcessDistanceFee" ] }, "compound-interest-calculator": { "type": "object", "additionalProperties": false, "properties": { "currency": { "type": "string", "title": "Currency", "description": "Currency", "enum": [ "USD", "EUR", "GBP", "JPY", "CHF", "CAD", "AUD", "CNY", "INR", "MXN", "BRL", "SGD", "HKD", "SEK", "NOK", "DKK", "NZD", "ZAR", "KRW", "TRY", "PLN", "CZK", "HUF", "AED", "THB", "IDR", "MYR", "PHP" ], "default": "USD" }, "principal": { "type": "number", "title": "Starting balance", "description": "Starting balance", "default": 10000, "minimum": 0, "maximum": 1000000000000 }, "months": { "type": "integer", "title": "Projection months", "description": "Projection months", "default": 12, "minimum": 1, "maximum": 600 }, "monthlyContribution": { "type": "number", "title": "Monthly contribution", "description": "Monthly contribution", "default": 0, "minimum": 0, "maximum": 1000000000000 }, "annualReturn": { "type": "number", "title": "Annual return (%)", "description": "Annual return (%)", "default": 0, "minimum": -99, "maximum": 100 }, "mode": { "type": "string", "title": "Contribution mode", "description": "Contribution mode", "enum": [ "sip", "lump-sum" ], "default": "sip" }, "contributionGrowth": { "type": "number", "title": "Annual contribution growth (%)", "description": "Annual contribution growth (%)", "default": 0, "minimum": -99, "maximum": 100 }, "inflationRate": { "type": "number", "title": "Annual inflation (%)", "description": "Annual inflation (%)", "default": 0, "minimum": -99, "maximum": 100 }, "startMonth": { "type": "string", "title": "Starting month", "description": "Starting month for the projected milestone date, in YYYY-MM format.", "pattern": "^[0-9]{4}-(0[1-9]|1[0-2])$", "default": "2026-09" } }, "required": [ "currency", "principal", "months", "monthlyContribution", "annualReturn", "mode", "contributionGrowth", "inflationRate", "startMonth" ] }, "crypto-converter": { "type": "object", "additionalProperties": false, "properties": { "symbol": { "type": "string", "title": "Coin", "description": "A supported symbol; arithmetic uses the price you enter.", "enum": [ "BTC", "ETH", "USDT", "BNB", "SOL", "USDC", "XRP", "ADA", "DOGE", "TRX", "AVAX", "SHIB", "DOT", "LINK", "MATIC", "LTC", "BCH", "ATOM", "UNI", "NEAR", "APT", "ARB", "OP", "STX", "ICP", "INJ", "FIL", "HBAR", "IMX", "RUNE", "VET", "MKR", "GRT", "ALGO", "SAND", "EOS", "AAVE", "THETA", "AXS", "CRV", "MANA", "SUI", "FTM", "XLM", "APE", "CHZ", "FLOW", "EGLD", "DAI", "WBTC" ], "default": "BTC" }, "currency": { "type": "string", "title": "Currency", "description": "All entered amounts use this currency. No automatic currency conversion.", "enum": [ "USD", "EUR", "GBP", "JPY", "CHF", "CAD", "AUD", "CNY", "INR", "MXN", "BRL", "SGD", "HKD", "SEK", "NOK", "DKK", "NZD", "ZAR", "KRW", "TRY", "PLN", "CZK", "HUF", "AED", "THB", "IDR", "MYR", "PHP" ], "default": "USD" }, "mode": { "type": "string", "title": "Mode", "description": "Mode", "enum": [ "convert", "dca" ], "default": "convert" }, "direction": { "type": "string", "title": "Conversion direction", "description": "Conversion direction", "enum": [ "coin-to-fiat", "fiat-to-coin" ], "default": "coin-to-fiat" }, "price": { "type": "number", "title": "Coin price in USD", "description": "Your entered USD price, or an indicative quote when available.", "default": 50000, "minimum": 1e-9, "maximum": 1000000000 }, "fxRate": { "type": "number", "title": "Fiat units per US dollar", "description": "One for USD. 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0 }, { "balance": 2000, "annualRate": 12, "promoRate": 0, "promoEndMonth": "", "minimumType": "fixed", "minimumPayment": 50, "minimumPercent": 2, "transferFeePercent": 0 } ], "items": { "type": "object", "additionalProperties": false, "properties": { "balance": { "type": "number", "title": "Balance", "description": "Balance", "minimum": 0, "maximum": 1000000000, "default": 1000 }, "annualRate": { "type": "number", "title": "Standard annual rate (%)", "description": "Standard annual rate (%)", "minimum": 0, "maximum": 200, "default": 18 }, "promoRate": { "type": "number", "title": "Promotional annual rate (%)", "description": "Promotional annual rate (%)", "minimum": 0, "maximum": 200, "default": 0 }, "promoEndMonth": { "type": "string", "title": "Promotional expiry month (empty for none)", "description": "Promotional expiry month (empty for none)", "maxLength": 64, "pattern": "^(?:[0-9]{4}-(?:0[1-9]|1[0-2]))?$", "default": "" }, "minimumType": { "type": "string", "title": "Minimum formula", "description": "Minimum formula", "enum": [ "fixed", "percent", "interest-plus-percent" ], "default": "fixed" }, "minimumPayment": { "type": "number", "title": "Fixed payment or minimum floor", "description": "Fixed payment or minimum floor", "minimum": 0, "maximum": 1000000000, "default": 25 }, "minimumPercent": { "type": "number", "title": "Balance percentage for minimum (%)", "description": "Balance percentage for minimum (%)", "minimum": 0, "maximum": 100, "default": 2 }, "transferFeePercent": { "type": "number", "title": "Upfront financed balance-transfer fee (%)", "description": "Upfront financed balance-transfer fee (%)", "minimum": 0, "maximum": 100, "default": 0 } }, "required": [ "balance", "annualRate", "promoRate", "promoEndMonth", "minimumType", "minimumPayment", "minimumPercent", "transferFeePercent" ] } }, "strategy": { "type": "string", "title": "Payoff strategy", "description": "Payoff strategy", "enum": [ "avalanche", "snowball", "consolidation" ], "default": "avalanche" }, "startMonth": { "type": "string", "title": "Projection start month", "description": "Projection start month", "maxLength": 64, "pattern": "^[0-9]{4}-(0[1-9]|1[0-2])$", "default": "2026-09" }, "monthlyBudget": { "type": "number", "title": "Total monthly debt-payment budget", "description": "Total monthly debt-payment budget", "minimum": 0, "maximum": 1000000000, "default": 400 }, "availableCash": { "type": "number", "title": "Cash available before protecting reserve", "description": "Cash available before protecting reserve", "minimum": 0, "maximum": 1000000000, "default": 0 }, "emergencyCashFloor": { "type": "number", "title": "Protected emergency cash", "description": "Protected emergency cash", "minimum": 0, "maximum": 1000000000, "default": 0 }, "maxMonths": { "type": "integer", "title": "Maximum projection months", "description": "Maximum projection months", "minimum": 1, "maximum": 600, "default": 600 }, "consolidationRate": { "type": "number", "title": "Consolidation annual rate (%)", "description": "Consolidation annual rate (%)", "minimum": 0, "maximum": 100, "default": 8 }, "consolidationMonths": { "type": "integer", "title": "Consolidation contractual months", "description": "Consolidation contractual months", "minimum": 1, "maximum": 600, "default": 36 }, "consolidationFeePercent": { "type": "number", "title": "Additional financed consolidation fee (%)", "description": "Additional financed consolidation fee (%)", "minimum": 0, "maximum": 100, "default": 0 } }, "required": [ "currency", "debts", "strategy", "startMonth", "monthlyBudget", "availableCash", "emergencyCashFloor", "maxMonths", "consolidationRate", "consolidationMonths", "consolidationFeePercent" ] }, "deposit-calculator": { "title": "Deposit and savings interest calculator", "type": "object", "additionalProperties": false, "properties": { "currency": { "type": "string", "title": "Currency", "description": "Currency", "enum": [ "USD", "EUR", "GBP", "JPY", "CHF", "CAD", 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positive interest (%)", "minimum": 0, "maximum": 100, "default": 0 }, "withdrawAfterMonths": { "type": "integer", "title": "Withdrawal month (0 means each maturity)", "description": "Withdrawal month (0 means each maturity)", "minimum": 0, "maximum": 600, "default": 0 }, "penaltyInterestMonths": { "type": "integer", "title": "Early penalty in months of simple interest", "description": "Early penalty in months of simple interest", "minimum": 0, "maximum": 120, "default": 0 }, "mode": { "type": "string", "title": "Deposit structure", "description": "Deposit structure", "enum": [ "single", "ladder" ], "default": "single" }, "ladderRungs": { "type": "integer", "title": "Ladder rungs", "description": "Ladder rungs", "minimum": 1, "maximum": 12, "default": 3 }, "ladderSpacingMonths": { "type": "integer", "title": "Months between ladder maturities", "description": "Months between ladder maturities", "minimum": 1, "maximum": 60, "default": 12 }, "ladderRateStep": { "type": "number", "title": "Annual rate increase per rung (percentage points)", "description": "Annual rate increase per rung (percentage points)", "minimum": -20, "maximum": 20, "default": 0 } }, "required": [ "currency", "principal", "annualRate", "compoundsPerYear", "months", "taxPercent", "withdrawAfterMonths", "penaltyInterestMonths", "mode", "ladderRungs", "ladderSpacingMonths", "ladderRateStep" ] }, "dividend-calculator": { "type": "object", "additionalProperties": false, "properties": { "currency": { "type": "string", "title": "Currency", "description": "Currency", "enum": [ "USD", "EUR", "GBP", "JPY", "CHF", "CAD", "AUD", "CNY", "INR", "MXN", "BRL", "SGD", "HKD", "SEK", "NOK", "DKK", "NZD", "ZAR", "KRW", "TRY", "PLN", "CZK", "HUF", "AED", "THB", "IDR", "MYR", "PHP" ], "default": "USD" }, "mode": { "type": "string", "title": "Dividend mode", "description": "Dividend mode", "enum": [ "projection", "income-target" ], "default": "projection" }, "principal": { "type": "number", "title": "Starting investment", "description": "Starting investment", "default": 10000, "minimum": 0, "maximum": 1000000000000 }, "months": { "type": "integer", "title": "Projection months", "description": "Projection months", "default": 12, "minimum": 1, "maximum": 600 }, "monthlyContribution": { "type": "number", "title": "Monthly investment", "description": "Monthly investment", "default": 0, "minimum": 0, "maximum": 1000000000000 }, "monthlyIncomeTarget": { "type": "number", "title": "Monthly income target", "description": "Monthly income target", "default": 1000, "minimum": 0, "maximum": 1000000000000 }, "dividendYield": { "type": "number", "title": "Initial annual dividend yield (%)", "description": "Initial annual dividend yield (%)", "default": 4, "minimum": 0, "maximum": 100 }, "dividendGrowth": { "type": "number", "title": "Annual dividend-per-share growth (%)", "description": "Annual dividend-per-share growth (%)", "default": 0, "minimum": -99, "maximum": 100 }, "priceGrowth": { "type": "number", "title": "Annual share-price growth (%)", "description": "Annual share-price growth (%)", "default": 0, "minimum": -99, "maximum": 100 }, "taxRate": { "type": "number", "title": "Dividend tax (%)", "description": "Dividend tax (%)", "default": 0, "minimum": 0, "maximum": 100 }, "reinvest": { "type": "boolean", "title": "Reinvest dividends", "description": "Buy additional shares with after-tax dividends at each month end.", "default": true } }, "required": [ "currency", "mode", "principal", "months", "monthlyContribution", "monthlyIncomeTarget", "dividendYield", "dividendGrowth", "priceGrowth", "taxRate", "reinvest" ] }, "fire-calculator": { "type": "object", "additionalProperties": false, "properties": { "currency": { "type": "string", "title": "Currency", "description": "Currency", "enum": [ "USD", "EUR", "GBP", "JPY", "CHF", "CAD", "AUD", "CNY", "INR", "MXN", "BRL", "SGD", "HKD", "SEK", "NOK", "DKK", "NZD", "ZAR", "KRW", "TRY", "PLN", "CZK", "HUF", "AED", "THB", "IDR", "MYR", "PHP" ], "default": "USD" }, "mode": { "type": "string", "title": "FIRE mode", "description": "FIRE mode", "enum": [ "standard", "lean", "fat", "barista", "coast", "expat" ], "default": "standard" }, "principal": { "type": "number", "title": "Current invested balance", "description": "Current invested balance", "default": 100000, "minimum": 0, "maximum": 1000000000000 }, "monthlyExpenses": { "type": "number", "title": "Target monthly spending", "description": "Target monthly spending", "default": 2000, "minimum": 0, "maximum": 1000000000000 }, "withdrawalRate": { "type": "number", "title": "Annual withdrawal rate (%)", "description": "Annual withdrawal rate (%)", "default": 4, "minimum": 0.1, "maximum": 100 }, "annualReturn": { "type": "number", "title": "Annual return (%)", "description": "Annual return (%)", "default": 0, "minimum": -99, "maximum": 100 }, "inflationRate": { "type": "number", "title": "Annual inflation (%)", "description": "Annual inflation (%)", "default": 0, "minimum": -99, "maximum": 100 }, "savingMode": { "type": "string", "title": "Saving input", "description": "Saving input", "enum": [ "amount", "rate" ], "default": "amount" }, "monthlyContribution": { "type": "number", "title": "Monthly invested saving", "description": "Monthly invested saving", "default": 1000, "minimum": 0, "maximum": 1000000000000 }, "monthlyIncome": { "type": "number", "title": "Monthly take-home income", "description": "Monthly take-home income", "default": 5000, "minimum": 0, "maximum": 1000000000000 }, "savingsRate": { "type": "number", "title": "Saving rate (%)", "description": "Saving rate (%)", "default": 20, "minimum": 0, "maximum": 100 }, "monthlyBaristaIncome": { "type": "number", "title": "Monthly part-time income", "description": "Monthly part-time income", "default": 0, "minimum": 0, "maximum": 1000000000000 }, "monthlyPension": { "type": "number", "title": "Monthly expected pension", "description": "Monthly expected pension", "default": 0, "minimum": 0, "maximum": 1000000000000 }, "retirementMonths": { "type": "integer", "title": "Months until retirement", "description": "Months until retirement", "default": 240, "minimum": 1, "maximum": 600 }, "startMonth": { "type": "string", "title": "Starting month", "description": "Starting month for the projected milestone date, in YYYY-MM format.", "pattern": "^[0-9]{4}-(0[1-9]|1[0-2])$", "default": "2026-09" } }, "required": [ "currency", "mode", "principal", "monthlyExpenses", "withdrawalRate", "annualReturn", "inflationRate", "savingMode", "monthlyContribution", "monthlyIncome", "savingsRate", "monthlyBaristaIncome", "monthlyPension", "retirementMonths", "startMonth" ] }, "inflation-calculator": { "type": "object", "additionalProperties": false, "properties": { "amount": { "type": "number", "title": "Amount", "description": "Amount", "default": 1000, "minimum": 0, "maximum": 1000000000000 }, "country": { "type": "string", "title": "Country", "description": "World Bank ISO alpha-3 country code. Available observation years vary by country.", "enum": [ "ABW", "AFG", "AGO", "ALB", "ARE", "ARM", "ATG", "AUS", "AUT", "AZE", "BDI", "BEL", "BEN", "BFA", "BGD", "BGR", "BHR", "BHS", "BIH", "BLR", "BLZ", "BOL", "BRA", "BRB", "BRN", "BTN", "BWA", "CAF", "CAN", "CHE", "CHL", "CHN", "CIV", "CMR", "COD", "COG", "COL", "COM", "CPV", "CRI", "CUW", "CYM", "CYP", "CZE", "DEU", "DJI", "DMA", "DNK", "DOM", "DZA", "ECU", "EGY", "ESP", "EST", "ETH", "FIN", "FJI", "FRA", "FSM", "GAB", "GBR", "GEO", "GHA", "GIN", "GMB", "GNB", "GNQ", "GRC", "GRD", "GTM", "GUY", "HKG", "HND", "HRV", "HTI", "HUN", "IDN", "IND", "IRL", "IRN", "IRQ", "ISL", "ISR", "ITA", "JAM", "JOR", "JPN", "KAZ", "KEN", "KGZ", "KHM", "KIR", "KNA", "KOR", "KWT", "LAO", "LBN", "LBR", "LBY", "LCA", "LKA", "LSO", "LTU", "LUX", "LVA", "MAC", "MAR", "MDA", "MDG", "MDV", "MEX", "MKD", "MLI", "MLT", "MMR", "MNE", "MNG", "MOZ", "MRT", "MUS", "MWI", "MYS", "NAM", "NCL", "NER", "NGA", "NIC", "NLD", "NOR", "NPL", "NRU", "NZL", "OMN", "PAK", "PAN", "PER", "PHL", "PLW", "PNG", "POL", "PRT", "PRY", "PSE", "QAT", "ROU", "RUS", "RWA", "SAU", "SDN", "SEN", "SGP", "SLB", "SLE", "SLV", "SMR", "SRB", "SSD", "STP", "SUR", "SVK", "SVN", "SWE", "SWZ", "SXM", "SYC", "SYR", "TCD", "TGO", "THA", "TJK", "TLS", "TON", "TTO", "TUN", "TUR", "TUV", "TZA", "UGA", "UKR", "URY", "USA", "UZB", "VCT", "VEN", "VNM", "VUT", "WSM", "XKX", "YEM", "ZAF", "ZMB", "ZWE" ], "default": "USA" }, "startYear": { "type": "integer", "title": "From year", "description": "From year", "default": 2000, "minimum": 1960, "maximum": 2025 }, "endYear": { "type": "integer", "title": "To year", "description": "To year", "default": 2024, "minimum": 1960, "maximum": 2025 } }, "required": [ "amount", "country", "startYear", "endYear" ] }, "investment-growth-calculator": { "type": "object", "additionalProperties": false, "properties": { "currency": { "type": "string", "title": "Currency", "description": "Currency", "enum": [ "USD", "EUR", "GBP", "JPY", "CHF", "CAD", "AUD", "CNY", "INR", "MXN", "BRL", "SGD", "HKD", "SEK", "NOK", "DKK", "NZD", "ZAR", "KRW", "TRY", "PLN", "CZK", "HUF", "AED", "THB", "IDR", "MYR", "PHP" ], "default": "USD" }, "principal": { "type": "number", "title": "Starting balance", "description": "Starting balance", "default": 10000, "minimum": 0, "maximum": 1000000000000 }, "months": { "type": "integer", "title": "Projection months", "description": "Projection months", "default": 12, "minimum": 1, "maximum": 600 }, "monthlyContribution": { "type": "number", "title": "Monthly contribution", "description": "Monthly contribution", "default": 0, "minimum": 0, "maximum": 1000000000000 }, "annualReturn": { "type": "number", "title": "Annual return (%)", "description": "Annual return (%)", "default": 0, "minimum": -99, "maximum": 100 }, "mode": { "type": "string", "title": "Displayed result", "description": "Displayed result", "enum": [ "gross", "after-fee", "after-tax", "real" ], "default": "after-tax" }, "monthlyWithdrawal": { "type": "number", "title": "Monthly withdrawal", "description": "Monthly withdrawal", "default": 0, "minimum": 0, "maximum": 1000000000000 }, "annualVolatility": { "type": "number", "title": "Annual volatility (%)", "description": "Annual volatility (%)", "default": 0, "minimum": 0, "maximum": 200 }, "annualFee": { "type": "number", "title": "Annual asset fee (%)", "description": "Annual asset fee (%)", "default": 0, "minimum": 0, "maximum": 100 }, "taxRate": { "type": "number", "title": "Tax on positive gains (%)", "description": "Tax on positive gains (%)", "default": 0, "minimum": 0, "maximum": 100 }, "inflationRate": { "type": "number", "title": "Annual inflation (%)", "description": "Annual inflation (%)", "default": 0, "minimum": -99, "maximum": 100 }, "contributionGrowth": { "type": "number", "title": "Annual contribution growth (%)", "description": "Annual contribution growth (%)", "default": 0, "minimum": -99, "maximum": 100 }, "paths": { "type": "integer", "title": "Simulation paths", "description": "Simulation paths", "default": 1000, "minimum": 1, "maximum": 1000 }, "seed": { "type": "string", "title": "Simulation seed", "description": "Leave empty to derive a reproducible seed from your inputs, or enter 16 hexadecimal characters.", "default": "", "pattern": "^(?:[a-fA-F0-9]{16})?$" } }, "required": [ "currency", "principal", "months", "monthlyContribution", "annualReturn", "mode", "monthlyWithdrawal", "annualVolatility", "annualFee", "taxRate", "inflationRate", "contributionGrowth", "paths", "seed" ] }, "loan-calculator": { "title": "Loan and EMI calculator", "type": "object", "additionalProperties": false, "properties": { "currency": { "type": "string", "title": "Currency", "description": "Currency", "enum": [ "USD", "EUR", "GBP", "JPY", "CHF", "CAD", "AUD", "CNY", "INR", "MXN", "BRL", "SGD", "HKD", "SEK", "NOK", "DKK", "NZD", "ZAR", "KRW", "TRY", "PLN", "CZK", "HUF", "AED", "THB", "IDR", "MYR", "PHP" ], "default": "USD" }, "principal": { "type": "number", "title": "Loan principal", "description": "Loan principal", "minimum": 0, "maximum": 1000000000, "default": 20000 }, "annualRate": { "type": "number", "title": "Annual interest rate (%)", "description": "Annual interest rate (%)", "minimum": 0, "maximum": 100, "default": 6 }, "months": { "type": "integer", "title": "Duration in months", "description": "Duration in months", "minimum": 1, "maximum": 600, "default": 60 }, "rateType": { "type": "string", "title": "Interest calculation", "description": "Interest calculation", "enum": [ "reducing", "flat" ], "default": "reducing" }, "extraMonthly": { "type": "number", "title": "Extra monthly payment", "description": "Extra monthly payment", "minimum": 0, "maximum": 1000000000, "default": 0 }, "lumpSum": { "type": "number", "title": "One-time extra payment", "description": "One-time extra payment", "minimum": 0, "maximum": 1000000000, "default": 0 }, "lumpSumMonth": { "type": "integer", "title": "Month of one-time payment", "description": "Month of one-time payment", "minimum": 1, "maximum": 600, "default": 1 }, "originationFee": { "type": "number", "title": "Upfront origination fee", "description": "Upfront origination fee", "minimum": 0, "maximum": 1000000000, "default": 0 } }, "required": [ "currency", "principal", "annualRate", "months", "rateType", "extraMonthly", "lumpSum", "lumpSumMonth", "originationFee" ] }, "mortgage-calculator": { "title": "Mortgage affordability and stress calculator", "type": "object", "additionalProperties": false, "properties": { "currency": { "type": "string", "title": "Currency", "description": "Currency", "enum": [ "USD", "EUR", "GBP", "JPY", "CHF", "CAD", "AUD", "CNY", "INR", "MXN", "BRL", "SGD", "HKD", "SEK", "NOK", "DKK", "NZD", "ZAR", "KRW", "TRY", "PLN", "CZK", "HUF", "AED", "THB", "IDR", "MYR", "PHP" ], "default": "USD" }, "homePrice": { "type": "number", "title": "Home price", "description": "Home price", "minimum": 0, "maximum": 1000000000, "default": 400000 }, "downPayment": { "type": "number", "title": "Deposit", "description": "Deposit", "minimum": 0, "maximum": 1000000000, "default": 80000 }, "annualRate": { "type": "number", "title": "Annual interest rate (%)", "description": "Annual interest rate (%)", "minimum": 0, "maximum": 100, "default": 5 }, "months": { "type": "integer", "title": "Duration in months", "description": "Duration in months", "minimum": 1, "maximum": 600, "default": 300 }, "afterTaxMonthlyIncome": { "type": "number", "title": "After-tax monthly household income", "description": "After-tax monthly household income", "minimum": 0, "maximum": 1000000000, "default": 7000 }, "monthlyLivingCosts": { "type": "number", "title": "Monthly non-housing living costs", "description": "Monthly non-housing living costs", "minimum": 0, "maximum": 1000000000, "default": 2500 }, "monthlySavings": { "type": "number", "title": "Protected monthly saving", "description": "Protected monthly saving", "minimum": 0, "maximum": 1000000000, "default": 500 }, "annualPropertyTax": { "type": "number", "title": "Annual property tax entered", "description": "Annual property tax entered", "minimum": 0, "maximum": 1000000000, "default": 2400 }, "annualInsurance": { "type": "number", "title": "Annual home insurance", "description": "Annual home insurance", "minimum": 0, "maximum": 1000000000, "default": 1200 }, "maintenancePercent": { "type": "number", "title": "Annual maintenance (% of price)", "description": "Annual maintenance (% of price)", "minimum": 0, "maximum": 20, "default": 1 }, "monthlyServiceCharges": { "type": "number", "title": "Monthly service charges", "description": "Monthly service charges", "minimum": 0, "maximum": 1000000000, "default": 150 }, "cashSavings": { "type": "number", "title": "Cash before the purchase", "description": "Cash before the purchase", "minimum": 0, "maximum": 1000000000, "default": 120000 }, "closingCosts": { "type": "number", "title": "Upfront closing costs", "description": "Upfront closing costs", "minimum": 0, "maximum": 1000000000, "default": 10000 }, "reserveMonths": { "type": "integer", "title": "Required reserve months", "description": "Required reserve months", "minimum": 0, "maximum": 60, "default": 6 }, "jobLossMonths": { "type": "integer", "title": "Months with no household income", "description": "Months with no household income", "minimum": 0, "maximum": 60, "default": 3 }, "maxLoanToValuePercent": { "type": "number", "title": "Maximum loan-to-value (%)", "description": "Maximum loan-to-value (%)", "minimum": 1, "maximum": 100, "default": 80 }, "stressRateIncrease": { "type": "number", "title": "Stress interest-rate increase (percentage points)", "description": "Stress interest-rate increase (percentage points)", "minimum": 0, "maximum": 30, "default": 2 } }, "required": [ "currency", "homePrice", "downPayment", "annualRate", "months", "afterTaxMonthlyIncome", "monthlyLivingCosts", "monthlySavings", "annualPropertyTax", "annualInsurance", "maintenancePercent", "monthlyServiceCharges", "cashSavings", "closingCosts", "reserveMonths", "jobLossMonths", "maxLoanToValuePercent", "stressRateIncrease" ] }, "net-worth-calculator": { "type": "object", "additionalProperties": false, "properties": { "currency": { "type": "string", "title": "Currency", "description": "All entered amounts use this currency. No automatic currency conversion.", "enum": [ "USD", "EUR", "GBP", "JPY", "CHF", "CAD", "AUD", "CNY", "INR", "MXN", "BRL", "SGD", "HKD", "SEK", "NOK", "DKK", "NZD", "ZAR", "KRW", "TRY", "PLN", "CZK", "HUF", "AED", "THB", "IDR", "MYR", "PHP" ], "default": "USD" }, "assets": { "type": "array", "title": "Assets", "description": "Values of the assets you own, all in the selected currency. For the US survey comparison use household values in 2022 US dollars.", "default": [ { "name": "Cash and investments", "amount": 100000 }, { "name": "Property", "amount": 200000 } ], "minItems": 0, "maxItems": 30, "items": { "type": "object", "additionalProperties": false, "required": [ "name", "amount" ], "properties": { "name": { "type": "string", "title": "Asset name", "description": "Asset name", "default": "Asset", "maxLength": 100 }, "amount": { "type": "number", "title": "Asset value", "description": "Asset value", "default": 0, "minimum": 0, "maximum": 1000000000000 } } } }, "liabilities": { "type": "array", "title": "Liabilities", "description": "Outstanding balances, all in the selected currency.", "default": [ { "name": "Mortgage and loans", "amount": 100000 } ], "minItems": 0, "maxItems": 30, "items": { "type": "object", "additionalProperties": false, "required": [ "name", "amount" ], "properties": { "name": { "type": "string", "title": "Liability name", "description": "Liability name", "default": "Liability", "maxLength": 100 }, "amount": { "type": "number", "title": "Outstanding balance", "description": "Outstanding balance", "default": 0, "minimum": 0, "maximum": 1000000000000 } } } }, "compareUS": { "type": "boolean", "title": "Compare with US households", "description": "Only for USD household values expressed in 2022 dollars, using SCF 2022. It is not a current worldwide ranking.", "default": false }, "ageGroup": { "type": "string", "title": "Age of household reference person", "description": "Groups use the age of the SCF household reference person, not each household member.", "enum": [ "35-44", "45-54", "55-64", "65-74", "75-plus", "all", "under-35" ], "default": "all" } }, "required": [ "currency", "assets", "liabilities", "compareUS", "ageGroup" ] }, "overpay-or-invest": { "title": "Overpay the mortgage or invest calculator", "type": "object", "additionalProperties": false, "properties": { "currency": { "type": "string", "title": "Currency", "description": "Currency", "enum": [ "USD", "EUR", "GBP", "JPY", "CHF", "CAD", "AUD", "CNY", "INR", "MXN", "BRL", "SGD", "HKD", "SEK", "NOK", "DKK", "NZD", "ZAR", "KRW", "TRY", "PLN", "CZK", "HUF", "AED", "THB", "IDR", "MYR", "PHP" ], "default": "USD" }, "principal": { "type": "number", "title": "Mortgage balance", "description": "Mortgage balance", "minimum": 0, "maximum": 1000000000, "default": 300000 }, "homeValue": { "type": "number", "title": "Home value for insurance removal", "description": "Home value for insurance removal", "minimum": 0, "maximum": 1000000000, "default": 400000 }, "mortgageRate": { "type": "number", "title": "Mortgage annual rate (%)", "description": "Mortgage annual rate (%)", "minimum": 0, "maximum": 100, "default": 5 }, "mortgageMonths": { "type": "integer", "title": "Mortgage remaining months", "description": "Mortgage remaining months", "minimum": 1, "maximum": 600, "default": 300 }, "extraMonthly": { "type": "number", "title": "Extra cash each month", "description": "Extra cash each month", "minimum": 0, "maximum": 1000000000, "default": 500 }, "horizonMonths": { "type": "integer", "title": "Common comparison horizon months", "description": "Common comparison horizon months", "minimum": 1, "maximum": 600, "default": 300 }, "investmentReturn": { "type": "number", "title": "Expected effective annual investment return (%)", "description": "Expected effective annual investment return (%)", "minimum": -50, "maximum": 50, "default": 6 }, "volatility": { "type": "number", "title": "Annual investment volatility (%)", "description": "Annual investment volatility (%)", "minimum": 0, "maximum": 100, "default": 15 }, "paths": { "type": "integer", "title": "Simulation paths", "description": "Simulation paths", "minimum": 1, "maximum": 1000, "default": 250 }, "seed": { "type": "string", "title": "Seed (empty or 16 hexadecimal characters)", "description": "Seed (empty or 16 hexadecimal characters)", "maxLength": 64, "pattern": "^(?:[a-fA-F0-9]{16})?$", "default": "" }, "initialInvestment": { "type": "number", "title": "Initial investment cash outside reserve", "description": "Initial investment cash outside reserve", "minimum": 0, "maximum": 1000000000, "default": 20000 }, "protectedCash": { "type": "number", "title": "Protected cash outside investment portfolio", "description": "Protected cash outside investment portfolio", "minimum": 0, "maximum": 1000000000, "default": 10000 }, "overpaymentClosingCost": { "type": "number", "title": "Upfront cost charged to overpayment option", "description": "Upfront cost charged to overpayment option", "minimum": 0, "maximum": 1000000000, "default": 0 }, "monthlyMortgageInsurance": { "type": "number", "title": "Monthly mortgage insurance", "description": "Monthly mortgage insurance", "minimum": 0, "maximum": 1000000000, "default": 0 }, "insuranceRemovalLTV": { "type": "number", "title": "Insurance removal loan-to-value (%)", "description": "Insurance removal loan-to-value (%)", "minimum": 0, "maximum": 100, "default": 78 } }, "required": [ "currency", "principal", "homeValue", "mortgageRate", "mortgageMonths", "extraMonthly", "horizonMonths", "investmentReturn", "volatility", "paths", "seed", "initialInvestment", "protectedCash", "overpaymentClosingCost", "monthlyMortgageInsurance", "insuranceRemovalLTV" ] }, "rent-vs-buy-calculator": { "title": "Rent versus buy calculator", "type": "object", "additionalProperties": false, "properties": { "currency": { "type": "string", "title": "Currency", "description": "Currency", "enum": [ "USD", "EUR", "GBP", "JPY", "CHF", "CAD", "AUD", "CNY", "INR", "MXN", "BRL", "SGD", "HKD", "SEK", "NOK", "DKK", "NZD", "ZAR", "KRW", "TRY", "PLN", "CZK", "HUF", "AED", "THB", "IDR", "MYR", "PHP" ], "default": "USD" }, "homePrice": { "type": "number", "title": "Home purchase price", "description": "Home purchase price", "minimum": 0, "maximum": 1000000000, "default": 400000 }, "downPayment": { "type": "number", "title": "Cash deposit", "description": "Cash deposit", "minimum": 0, "maximum": 1000000000, "default": 80000 }, "annualMortgageRate": { "type": "number", "title": "Mortgage annual rate (%)", "description": "Mortgage annual rate (%)", "minimum": 0, "maximum": 100, "default": 5 }, "mortgageMonths": { "type": "integer", "title": "Mortgage term months", "description": "Mortgage term months", "minimum": 1, "maximum": 600, "default": 300 }, "horizonMonths": { "type": "integer", "title": "Comparison horizon months", "description": "Comparison horizon months", "minimum": 1, "maximum": 600, "default": 120 }, "buyingCostsPercent": { "type": "number", "title": "Purchase transaction costs (%)", "description": "Purchase transaction costs (%)", "minimum": 0, "maximum": 30, "default": 3 }, "sellingCostsPercent": { "type": "number", "title": "Selling transaction costs (%)", "description": "Selling transaction costs (%)", "minimum": 0, "maximum": 30, "default": 3 }, "homeAppreciation": { "type": "number", "title": "Effective annual home appreciation (%)", "description": "Effective annual home appreciation (%)", "minimum": -50, "maximum": 100, "default": 0 }, "monthlyRent": { "type": "number", "title": "Starting monthly rent", "description": "Starting monthly rent", "minimum": 0, "maximum": 1000000000, "default": 1800 }, "rentGrowth": { "type": "number", "title": "Effective annual rent growth (%)", "description": "Effective annual rent growth (%)", "minimum": -50, "maximum": 100, "default": 0 }, "investmentReturn": { "type": "number", "title": "Effective annual investment return (%)", "description": "Effective annual investment return (%)", "minimum": -50, "maximum": 100, "default": 0 }, "annualPropertyTaxPercent": { "type": "number", "title": "Annual property tax (% of current value)", "description": "Annual property tax (% of current value)", "minimum": 0, "maximum": 20, "default": 0 }, "annualMaintenancePercent": { "type": "number", "title": "Annual maintenance (% of current value)", "description": "Annual maintenance (% of current value)", "minimum": 0, "maximum": 20, "default": 1 }, "annualHomeInsurance": { "type": "number", "title": "Starting annual home insurance", "description": "Starting annual home insurance", "minimum": 0, "maximum": 1000000000, "default": 1200 }, "monthlyServiceCharges": { "type": "number", "title": "Starting monthly service charges", "description": "Starting monthly service charges", "minimum": 0, "maximum": 1000000000, "default": 150 }, "annualRentersInsurance": { "type": "number", "title": "Starting annual renter insurance", "description": "Starting annual renter insurance", "minimum": 0, "maximum": 1000000000, "default": 200 }, "costInflation": { "type": "number", "title": "Effective annual insurance and service inflation (%)", "description": "Effective annual insurance and service inflation (%)", "minimum": -50, "maximum": 100, "default": 0 } }, "required": [ "currency", "homePrice", "downPayment", "annualMortgageRate", "mortgageMonths", "horizonMonths", "buyingCostsPercent", "sellingCostsPercent", "homeAppreciation", "monthlyRent", "rentGrowth", "investmentReturn", "annualPropertyTaxPercent", "annualMaintenancePercent", "annualHomeInsurance", "monthlyServiceCharges", "annualRentersInsurance", "costInflation" ] }, "retirement-calculator": { "type": "object", "additionalProperties": false, "properties": { "currency": { "type": "string", "title": "Currency", "description": "Currency", "enum": [ "USD", "EUR", "GBP", "JPY", "CHF", "CAD", "AUD", "CNY", "INR", "MXN", "BRL", "SGD", "HKD", "SEK", "NOK", "DKK", "NZD", "ZAR", "KRW", "TRY", "PLN", "CZK", "HUF", "AED", "THB", "IDR", "MYR", "PHP" ], "default": "USD" }, "principal": { "type": "number", "title": "Starting balance", "description": "Starting balance", "default": 10000, "minimum": 0, "maximum": 1000000000000 }, "months": { "type": "integer", "title": "Projection months", "description": "Projection months", "default": 12, "minimum": 1, "maximum": 600 }, "monthlyContribution": { "type": "number", "title": "Monthly contribution", "description": "Monthly contribution", "default": 0, "minimum": 0, "maximum": 1000000000000 }, "annualReturn": { "type": "number", "title": "Annual return (%)", "description": "Annual return (%)", "default": 0, "minimum": -99, "maximum": 100 }, "retirementMonth": { "type": "integer", "title": "First retirement month", "description": "First retirement month", "default": 1, "minimum": 1, "maximum": 601 }, "monthlyExpenses": { "type": "number", "title": "Monthly retirement spending", "description": "Monthly retirement spending", "default": 1000, "minimum": 0, "maximum": 1000000000000 }, "pensionStartMonth": { "type": "integer", "title": "First pension month", "description": "First pension month", "default": 1, "minimum": 1, "maximum": 601 }, "monthlyPension": { "type": "number", "title": "Monthly pension in today's money", "description": "Monthly pension in today's money", "default": 0, "minimum": 0, "maximum": 1000000000000 }, "annualVolatility": { "type": "number", "title": "Annual volatility (%)", "description": "Annual volatility (%)", "default": 0, "minimum": 0, "maximum": 200 }, "annualFee": { "type": "number", "title": "Annual asset fee (%)", "description": "Annual asset fee (%)", "default": 0, "minimum": 0, "maximum": 100 }, "taxRate": { "type": "number", "title": "Tax on positive gains (%)", "description": "Tax on positive gains (%)", "default": 0, "minimum": 0, "maximum": 100 }, "inflationRate": { "type": "number", "title": "Annual inflation (%)", "description": "Annual inflation (%)", "default": 0, "minimum": -99, "maximum": 100 }, "paths": { "type": "integer", "title": "Simulation paths", "description": "Simulation paths", "default": 1000, "minimum": 1, "maximum": 1000 }, "seed": { "type": "string", "title": "Simulation seed", "description": "Leave empty to derive a reproducible seed from your inputs, or enter 16 hexadecimal characters.", "default": "", "pattern": "^(?:[a-fA-F0-9]{16})?$" }, "lifeStages": { "type": "array", "title": "Life stages", "description": "Optional nonoverlapping inclusive month ranges overriding retirement spending and adding other monthly income. Each amount is expressed in today's money.", "default": [], "maxItems": 20, "items": { "type": "object", "additionalProperties": false, "properties": { "startMonth": { "type": "integer", "title": "First month", "description": "First month", "default": 1, "minimum": 1, "maximum": 600 }, "endMonth": { "type": "integer", "title": "Last month", "description": "Last month", "default": 12, "minimum": 1, "maximum": 600 }, "monthlyExpenses": { "type": "number", "title": "Monthly expenses in today's money", "description": "Monthly expenses in today's money", "default": 0, "minimum": 0, "maximum": 1000000000000 }, "monthlyIncome": { "type": "number", "title": "Monthly other income in today's money", "description": "Monthly other income in today's money", "default": 0, "minimum": 0, "maximum": 1000000000000 } }, "required": [ "startMonth", "endMonth", "monthlyExpenses", "monthlyIncome" ] } } }, "required": [ "currency", "principal", "months", "monthlyContribution", "annualReturn", "retirementMonth", "monthlyExpenses", "pensionStartMonth", "monthlyPension", "annualVolatility", "annualFee", "taxRate", "inflationRate", "paths", "seed", "lifeStages" ] }, "runway-calculator": { "type": "object", "additionalProperties": false, "properties": { "currency": { "type": "string", "title": "Currency", "description": "All entered amounts use this currency. No automatic currency conversion.", "enum": [ "USD", "EUR", "GBP", "JPY", "CHF", "CAD", "AUD", "CNY", "INR", "MXN", "BRL", "SGD", "HKD", "SEK", "NOK", "DKK", "NZD", "ZAR", "KRW", "TRY", "PLN", "CZK", "HUF", "AED", "THB", "IDR", "MYR", "PHP" ], "default": "USD" }, "mode": { "type": "string", "title": "Mode", "description": "Mode", "enum": [ "scenarios", "job-loss", "sabbatical", "drawdown" ], "default": "scenarios" }, "scenario": { "type": "string", "title": "Scenario", "description": "Scenario", "enum": [ "current", "trim-spending", "raise-income", "stress" ], "default": "current" }, "liquidAssets": { "type": "number", "title": "Liquid savings", "description": "Liquid savings", "default": 12000, "minimum": 0, "maximum": 1000000000000 }, "monthlyIncome": { "type": "number", "title": "Recurring monthly income", "description": "Recurring monthly income", "default": 2000, "minimum": 0, "maximum": 1000000000000 }, "monthlyExpenses": { "type": "number", "title": "Recurring monthly expenses", "description": "Recurring monthly expenses", "default": 3000, "minimum": 0, "maximum": 1000000000000 }, "obligationsDue12Months": { "type": "number", "title": "Separate obligations due over 12 months", "description": "Separate obligations due over 12 months", "default": 0, "minimum": 0, "maximum": 1000000000000 }, "leaveMonths": { "type": "integer", "title": "Sabbatical length in months", "description": "Sabbatical length in months", "default": 6, "minimum": 1, "maximum": 120 }, "incomeDuringLeave": { "type": "number", "title": "Monthly income during leave", "description": "Monthly income during leave", "default": 0, "minimum": 0, "maximum": 1000000000000 }, "horizonMonths": { "type": "integer", "title": "Simulation horizon in months", "description": "Simulation horizon in months", "default": 120, "minimum": 1, "maximum": 600 }, "variancePercent": { "type": "number", "title": "Monthly income and expense variation (%)", "description": "Monthly income and expense variation (%)", "default": 10, "minimum": 0, "maximum": 100 }, "paths": { "type": "integer", "title": "Simulation paths", "description": "Simulation paths", "default": 1000, "minimum": 100, "maximum": 1000 }, "seed": { "type": "string", "title": "Simulation seed", "description": "Simulation seed", "default": "", "maxLength": 16, "pattern": "^(?:[a-fA-F0-9]{16})?$" } }, "required": [ "currency", "mode", "scenario", "liquidAssets", "monthlyIncome", "monthlyExpenses", "obligationsDue12Months", "leaveMonths", "incomeDuringLeave", "horizonMonths", "variancePercent", "paths", "seed" ] }, "savings-goal-calculator": { "type": "object", "additionalProperties": false, "properties": { "currency": { "type": "string", "title": "Currency", "description": "Currency", "enum": [ "USD", "EUR", "GBP", "JPY", "CHF", "CAD", "AUD", "CNY", "INR", "MXN", "BRL", "SGD", "HKD", "SEK", "NOK", "DKK", "NZD", "ZAR", "KRW", "TRY", "PLN", "CZK", "HUF", "AED", "THB", "IDR", "MYR", "PHP" ], "default": "USD" }, "principal": { "type": "number", "title": "Starting balance", "description": "Starting balance", "default": 10000, "minimum": 0, "maximum": 1000000000000 }, "months": { "type": "integer", "title": "Projection months", "description": "Projection months", "default": 12, "minimum": 1, "maximum": 600 }, "monthlyContribution": { "type": "number", "title": "Monthly contribution", "description": "Monthly contribution", "default": 0, "minimum": 0, "maximum": 1000000000000 }, "annualReturn": { "type": "number", "title": "Annual return (%)", "description": "Annual return (%)", "default": 0, "minimum": -99, "maximum": 100 }, "mode": { "type": "string", "title": "Goal mode", "description": "Goal mode", "enum": [ "required-monthly", "months-to-goal", "budget" ], "default": "required-monthly" }, "goal": { "type": "number", "title": "Savings goal", "description": "Savings goal", "default": 50000, "minimum": 0, "maximum": 1000000000000 }, "monthlyIncome": { "type": "number", "title": "Monthly take-home income", "description": "Monthly take-home income", "default": 5000, "minimum": 0, "maximum": 1000000000000 } }, "required": [ "currency", "principal", "months", "monthlyContribution", "annualReturn", "mode", "goal", "monthlyIncome" ] }, "ResultEnvelope": { "type": "object", "required": [ "ok", "tool", "version", "input", "result", "sources", "credit", "citation_url" ], "properties": { "ok": { "type": "boolean" }, "tool": { "type": "string" }, "version": { "type": "string" }, "formula_version": { "type": "string" }, "assumptions_version": { "type": "string" }, "input": { "type": "object" }, "result": { "type": "object" }, "explanation": { "type": "string" }, "sources": { "type": "array", "items": { "type": "object" } }, "license": { "type": "string", "description": "Free for personal, commercial and any other lawful use with credit to KlarFort at https://klarfort.com/. Third-party data terms still apply." }, "credit": { "type": "string", "description": "Ready-to-use homepage attribution.", "examples": [ "Computed with KlarFort Calculators, https://klarfort.com/" ] }, "credit_url": { "type": "string", "format": "uri", "const": "https://klarfort.com/", "description": "Required attribution destination. Link a visible KlarFort credit here." }, "citation_url": { "type": "string", "format": "uri", "description": "Specific calculator reference; optional to include in attribution." }, "computed_at": { "type": "string" } } } } } }