WealthTools Financial Calculators

{
  "name": "WealthTools Financial Calculators",
  "authentication": {
    "scheme": "Authorization: Bearer YOUR_API_KEY",
    "required": true,
    "guest_key": {
      "response": {
        "api_key": "wt_..."
      },
      "body": "none",
      "endpoint": "POST /api/v1/guest-key",
      "rate_limit": "20 requests/hour"
    },
    "note": "Every endpoint requires a key, including the calculators below. If you don't have one, call the guest_key endpoint first to get one instantly with no signup.",
    "personal_key": {
      "how": "Sign in and generate one at https://wealth-tools.com/users/settings",
      "rate_limit": "1,000 requests/hour"
    }
  },
  "description": "Professional-grade financial calculators accessible via REST API. Supports investment projections, mortgage calculations, credit card payoff timelines, and net worth tracking.",
  "url": "https://wealth-tools.com",
  "api": {
    "version": "1.0.0",
    "base_url": "https://wealth-tools.com/api/v1",
    "docs_url": "https://wealth-tools.com/api/docs",
    "openapi_url": "https://wealth-tools.com/api/openapi"
  },
  "contact": {
    "issues": "https://github.com/mtanca/wealth_tools/issues"
  },
  "capabilities": [
    {
      "id": "investment_calculator",
      "name": "Investment Growth Calculator",
      "description": "Projects investment portfolio growth over time with support for tax-deferred accounts, Roth accounts, taxable brokerage accounts, and monthly contributions.",
      "features": [
        "Tax-deferred account modeling (401k, Traditional IRA)",
        "Roth account projections",
        "Taxable brokerage with annual gain taxation",
        "Monthly contribution compounding",
        "Multi-account portfolio projections"
      ],
      "endpoint": "POST /api/v1/calculators/investments"
    },
    {
      "id": "mortgage_calculator",
      "name": "Mortgage Payment Calculator",
      "description": "Calculates mortgage payment schedules including principal, interest, amortization, and total cost of the loan.",
      "features": [
        "Monthly payment breakdown",
        "Full amortization schedule",
        "Total interest paid",
        "Loan payoff timeline"
      ],
      "endpoint": "POST /api/v1/calculators/mortgage"
    },
    {
      "id": "credit_card_calculator",
      "name": "Credit Card Payoff Calculator",
      "description": "Calculates credit card repayment timelines and total interest paid based on balance, interest rate, and monthly payment.",
      "features": [
        "Payoff timeline estimation",
        "Total interest calculation",
        "Minimum payment analysis",
        "Month-by-month repayment schedule"
      ],
      "endpoint": "POST /api/v1/calculators/credit-card-repayment"
    },
    {
      "id": "net_worth_calculator",
      "name": "Net Worth Calculator",
      "description": "Calculates current net worth from assets and liabilities, with optional multi-year projections factoring in growth rates and debt paydown.",
      "features": [
        "Asset and liability aggregation",
        "Multi-year net worth projections",
        "Investment account growth modeling",
        "Debt paydown tracking",
        "Home equity appreciation"
      ],
      "endpoint": "POST /api/v1/calculators/net-worth"
    },
    {
      "id": "budget_management",
      "name": "Budget Management",
      "description": "Create and manage budgets, spending categories with limits, and recorded expenses. Requires an API key (guest or personal \u2014 see `authentication` above).",
      "features": [
        "Create/update/delete budgets with categories and date ranges",
        "Per-category spending limits with running totals",
        "Record, correct, and delete individual expenses",
        "List all budgets belonging to the authenticated user"
      ],
      "endpoint": "/api/v1/budgets, /api/v1/budgets/:id/items, /api/v1/expenses/:id"
    }
  ],
  "pricing": {
    "model": "free",
    "tiers": [
      {
        "name": "Guest",
        "features": [
          "All calculators",
          "Budget management",
          "No signup required"
        ],
        "rate_limit": "20 requests/hour",
        "price": "$0/month"
      },
      {
        "name": "Personal",
        "features": [
          "All calculators",
          "Budget management",
          "Requires signing in"
        ],
        "rate_limit": "1,000 requests/hour",
        "price": "$0/month"
      }
    ]
  },
  "rate_limiting": {
    "scope": "per API key (not per IP)",
    "header": "X-RateLimit-Remaining",
    "guest_key_requests_per_hour": 20,
    "personal_key_requests_per_hour": 1000
  },
  "schema_version": "1.0"
}