{"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 — 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"}