AINumbers.co safe withdrawal rate API

openapi: 3.2.0
info:
  title: AINumbers.co Fintech Intelligence Suite safe withdrawal…
  version: 1.0.0
  description: '**1255 fintech intelligence tools** covering ISO 20022, A2A payments, CFPB §1033, EU AI Act, DORA, MiCA, AML/KYC, BaaS, DLT/tokenization, ESG/climate finance, agentic payments (AP2, ACP, x402, Visa TAP, Mastercard Agent Pay), PQC migration, sanctions screening, and OpenChainGraph v0.4 computation chains.


    ## Transport


    > **The live transport is MCP JSON-RPC 2.0 at `https://mcp.ainumbers.co/mcp` — not REST.**

    >

    > This OpenAPI file is a **descriptive data-room artifact** — a machine-readable index of all tools and their input/output schemas. The REST paths (`POST /v1/tools/{name}`) described here are a projection; they become functional only if the optional REST shim (Area 2 Path B) is deployed.

    >

    > To call tools today, connect via the official MCP client SDKs. TypeScript: `@modelcontextprotocol/sdk`. Python: `mcp`.


    ## Architecture


    All tools run **entirely client-side** (browser JavaScript). Zero PII. Zero server calls after page load. Deterministic, reproducible outputs. Licensed CC BY 4.0.


    OpenChainGraph v0.4 compute-binding nodes additionally run **server-side on the MCP Worker** and emit verifiable artifacts with `execution_hash` (WebCrypto SHA-256 over RFC 8785 canonical JSON).'
  contact:
    name: Post Oak Labs
    url: https://postoaklabs.com
    email: tim@postoaklabs.com
  license:
    name: CC BY 4.0
    url: https://creativecommons.org/licenses/by/4.0/
servers:
- url: https://ainumbers.co
  description: Static browser-based tool host (DreamHost). Tools run client-side — no REST gateway is active on this origin. See x-mcp for the live MCP endpoint.
tags:
- name: safe withdrawal rate
paths:
  /v1/tools/calculate_safe_withdrawal_rate:
    post:
      operationId: calculate_safe_withdrawal_rate
      summary: 4% Rule Safe Withdrawal Rate Calculator
      description: 'Models whether a retirement portfolio can sustain a given withdrawal rate. Goes beyond the simple 4% rule to show how portfolio composition, inflation, and sequence risk affect the actual safe rate.


        **Tool URL:** https://ainumbers.co/tools/170-safe-withdrawal-rate-calculator.html

        **AP2/Policy Mandate export:** yes'
      tags:
      - safe withdrawal rate
      requestBody:
        required: true
        content:
          application/json:
            schema:
              type: object
              properties:
                portfolio_value:
                  type: number
                  description: Current portfolio value in USD
                annual_withdrawal:
                  type: number
                  description: Planned annual withdrawal in USD
                horizon_years:
                  type: number
                  description: Retirement horizon in years
                allocation:
                  type: string
                  description: Portfolio allocation preset
                inflation_pct:
                  type: number
                  description: Assumed annual inflation rate
                additional_income:
                  type: number
                  description: Annual income from Social Security or pension
                strategy:
                  type: string
                  description: Withdrawal strategy
              required:
              - portfolio_value
              - annual_withdrawal
              - horizon_years
      responses:
        '200':
          description: Successful tool execution result
          content:
            application/json:
              schema:
                type: object
                properties:
                  swr_pct:
                    type: number
                  fire_number:
                    type: number
                  survival_probability_pct:
                    type: number
                  years_to_depletion:
                    type: number
                  real_value_at_30yr:
                    type: number
                  verdict:
                    type: string
      x-mcp-tool-name: calculate_safe_withdrawal_rate
      x-tool-url: https://ainumbers.co/tools/170-safe-withdrawal-rate-calculator.html
      x-source: manifest
      x-ap2-export: true
x-mcp:
  transport: MCP JSON-RPC 2.0 (streamable HTTP)
  endpoint: https://mcp.ainumbers.co/mcp
  protocol_version: '2025-11-25'
  authentication: none
  registry: co.ainumbers/tools (official MCP registry)
  note: Connect any MCP-compatible client (Claude, ChatGPT, custom agent) directly to this endpoint. The REST paths in this file are descriptive only — they do not exist on the live server unless the REST shim is deployed.