@markcolabs/mcp 0.1.0 → 0.3.0

package/dist/engines/rmd.d.ts

@@ -0,0 +1,107 @@
+/**
+ * RMD (Required Minimum Distribution) engine — lifted from
+ * site/src/utils/rmd-engine.js (functions `calculateRMD`,
+ * `getDistributionPeriod`, `getRMDStartAge`).
+ *
+ * Per ADR-0039 § 5: pure synchronous function, ENGINE_VERSION constant,
+ * parity test against the site source as the gate.
+ *
+ * Scope (S141 Wave 1B Item #3): SINGLE-YEAR RMD distribution-amount
+ * calculation only. The site calculator's multi-year projection
+ * (`generateRMDProjection`) and pre-RMD age-projection path are OUT of
+ * scope for v1 — callers needing year-by-year projections should call the
+ * tool repeatedly with the projected balance for each year.
+ *
+ * Table coverage: ONLY the Uniform Lifetime Table (Pub. 590-B Table III,
+ * post-2022 version) is implemented, mirroring the site source which uses
+ * `UNIFORM_LIFETIME_TABLE` exclusively. The Joint Life Expectancy Table
+ * (Table II, applied when spouse is sole beneficiary AND 10+ years younger)
+ * is NOT in the site engine and is therefore NOT in this tool — adding it
+ * here would create a parity gap with the site calculator. The `tableUsed`
+ * field is always `"uniform-lifetime"` for v1; the union type leaves room
+ * for `"joint-life-expectancy"` in a future minor bump when the site adds it.
+ *
+ * Math reference (per IRC §401(a)(9) + Pub. 590-B):
+ *   distributionPeriod = UNIFORM_LIFETIME_TABLE[ownerAge]
+ *   rmdAmount          = accountBalance / distributionPeriod
+ *
+ * Missed-RMD penalty (SECURE 2.0 §302, effective 2023+):
+ *   penaltyIfMissed    = rmdAmount × 0.25                (default 25% excise tax)
+ *   reduced to 10% if corrected within IRS correction window (typically 2 years)
+ *   (down from 50% pre-SECURE-2.0)
+ *
+ * Source: IRS Publication 590-B (Uniform Lifetime Table III, post-2022) +
+ *         SECURE 2.0 Act §107 (RMD age tiers) + §302 (25% excise tax).
+ * Last verified: 2026-05-27.
+ */
+/**
+ * SemVer of the RMD engine. Per ADR-0039 § 5 (reaffirmed in ADR-0041
+ * Position #4a): major bump = math change; minor = additive output; patch =
+ * numerical correction. NOT bumped for cosmetic refactors.
+ * - 1.0.0: initial v1 lift from rmd-engine.js (S141 Wave 1B).
+ */
+export declare const ENGINE_VERSION = "1.0.0";
+/**
+ * Which IRS RMD distribution-period table was applied. For v1 always
+ * `"uniform-lifetime"` (mirrors the site source). The `"joint-life-expectancy"`
+ * variant is reserved for a future minor when the site engine adds Table II.
+ */
+export type RmdTableUsed = "uniform-lifetime" | "joint-life-expectancy";
+/** Inputs to the RMD distribution-amount engine. */
+export interface RmdDistributionAmountInput {
+    /** Prior year-end account balance, USD. */
+    accountBalance: number;
+    /** Owner's age this calendar year (must be ≥ SECURE 2.0 RMD age, typically 73). */
+    ownerAge: number;
+    /**
+     * Spouse's age (optional). RESERVED FOR FUTURE Joint Life Expectancy Table
+     * support. v1 ignores this input — the Uniform Lifetime Table is always
+     * applied (matches site parity). Documented in tool description so callers
+     * know not to rely on it for v1.
+     */
+    spouseAge?: number;
+    /**
+     * Whether the spouse is the sole IRA beneficiary (optional). RESERVED FOR
+     * FUTURE Joint Life Expectancy Table support. v1 ignores this input.
+     */
+    isSpouseSoleBeneficiary?: boolean;
+}
+/** Result payload returned by the engine. */
+export interface RmdDistributionAmountResult {
+    /** Required minimum distribution this year, USD. */
+    rmdAmount: number;
+    /** Years (life-expectancy factor from the applied IRS table). */
+    distributionPeriod: number;
+    /** Duplicates distributionPeriod under a more semantic name. */
+    lifeExpectancyFactor: number;
+    /** Which IRS table was applied. Always `"uniform-lifetime"` for v1. */
+    tableUsed: RmdTableUsed;
+    /**
+     * Default excise tax owed if the RMD is missed (SECURE 2.0 §302, 25%).
+     * Reduced to 10% if corrected within the IRS correction window (typically
+     * 2 years) — callers should surface this nuance in the UI; the field
+     * itself reports the 25% default.
+     */
+    penaltyIfMissed: number;
+    /** Provenance metadata. */
+    meta: {
+        /** IRS table edition / tax year. */
+        tableYear: number;
+        /** Source authority (IRS publication / SECURE 2.0 citation). */
+        source: string;
+    };
+}
+/**
+ * Compute the required minimum distribution for the given inputs.
+ *
+ * 1-to-1 logic port of site/src/utils/rmd-engine.js `calculateRMD` +
+ * `getDistributionPeriod` (single-year path; multi-year projection out of
+ * scope). The site engine clamps lookups to [72, 120]; we additionally
+ * require ownerAge ≥ 73 (SECURE 2.0 floor for the 1951-1959 cohort, the
+ * common case in 2026) at the tool boundary via RMD_BOUNDS.
+ *
+ * Throws on undefined-period lookup — should be unreachable because bounds
+ * validation in the tool wrapper rejects out-of-range ages first.
+ */
+export declare function distributionAmount(input: RmdDistributionAmountInput): RmdDistributionAmountResult;
+//# sourceMappingURL=rmd.d.ts.map

package/dist/engines/rmd.d.ts.map

@@ -0,0 +1 @@
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package/dist/engines/rmd.js

@@ -0,0 +1,109 @@
+/**
+ * RMD (Required Minimum Distribution) engine — lifted from
+ * site/src/utils/rmd-engine.js (functions `calculateRMD`,
+ * `getDistributionPeriod`, `getRMDStartAge`).
+ *
+ * Per ADR-0039 § 5: pure synchronous function, ENGINE_VERSION constant,
+ * parity test against the site source as the gate.
+ *
+ * Scope (S141 Wave 1B Item #3): SINGLE-YEAR RMD distribution-amount
+ * calculation only. The site calculator's multi-year projection
+ * (`generateRMDProjection`) and pre-RMD age-projection path are OUT of
+ * scope for v1 — callers needing year-by-year projections should call the
+ * tool repeatedly with the projected balance for each year.
+ *
+ * Table coverage: ONLY the Uniform Lifetime Table (Pub. 590-B Table III,
+ * post-2022 version) is implemented, mirroring the site source which uses
+ * `UNIFORM_LIFETIME_TABLE` exclusively. The Joint Life Expectancy Table
+ * (Table II, applied when spouse is sole beneficiary AND 10+ years younger)
+ * is NOT in the site engine and is therefore NOT in this tool — adding it
+ * here would create a parity gap with the site calculator. The `tableUsed`
+ * field is always `"uniform-lifetime"` for v1; the union type leaves room
+ * for `"joint-life-expectancy"` in a future minor bump when the site adds it.
+ *
+ * Math reference (per IRC §401(a)(9) + Pub. 590-B):
+ *   distributionPeriod = UNIFORM_LIFETIME_TABLE[ownerAge]
+ *   rmdAmount          = accountBalance / distributionPeriod
+ *
+ * Missed-RMD penalty (SECURE 2.0 §302, effective 2023+):
+ *   penaltyIfMissed    = rmdAmount × 0.25                (default 25% excise tax)
+ *   reduced to 10% if corrected within IRS correction window (typically 2 years)
+ *   (down from 50% pre-SECURE-2.0)
+ *
+ * Source: IRS Publication 590-B (Uniform Lifetime Table III, post-2022) +
+ *         SECURE 2.0 Act §107 (RMD age tiers) + §302 (25% excise tax).
+ * Last verified: 2026-05-27.
+ */
+import { UNIFORM_LIFETIME_TABLE_2026, UNIFORM_LIFETIME_MIN_AGE, UNIFORM_LIFETIME_MAX_AGE, RMD_MISSED_EXCISE_RATE, RMD_TABLE_SOURCE, } from "./data/rmd2026.js";
+/**
+ * SemVer of the RMD engine. Per ADR-0039 § 5 (reaffirmed in ADR-0041
+ * Position #4a): major bump = math change; minor = additive output; patch =
+ * numerical correction. NOT bumped for cosmetic refactors.
+ * - 1.0.0: initial v1 lift from rmd-engine.js (S141 Wave 1B).
+ */
+export const ENGINE_VERSION = "1.0.0";
+/**
+ * Compute the required minimum distribution for the given inputs.
+ *
+ * 1-to-1 logic port of site/src/utils/rmd-engine.js `calculateRMD` +
+ * `getDistributionPeriod` (single-year path; multi-year projection out of
+ * scope). The site engine clamps lookups to [72, 120]; we additionally
+ * require ownerAge ≥ 73 (SECURE 2.0 floor for the 1951-1959 cohort, the
+ * common case in 2026) at the tool boundary via RMD_BOUNDS.
+ *
+ * Throws on undefined-period lookup — should be unreachable because bounds
+ * validation in the tool wrapper rejects out-of-range ages first.
+ */
+export function distributionAmount(input) {
+    const { accountBalance, ownerAge } = input;
+    // Edge: zero balance → zero RMD. Mirror the site's balance ≤ 0 short-circuit
+    // but still report the (clamped) distribution period for caller transparency.
+    if (accountBalance <= 0) {
+        const factor = lookupDistributionPeriod(ownerAge);
+        return {
+            rmdAmount: 0,
+            distributionPeriod: factor,
+            lifeExpectancyFactor: factor,
+            tableUsed: "uniform-lifetime",
+            penaltyIfMissed: 0,
+            meta: {
+                tableYear: 2026,
+                source: RMD_TABLE_SOURCE,
+            },
+        };
+    }
+    const distributionPeriod = lookupDistributionPeriod(ownerAge);
+    // Site rounds to cents (Math.round * 100 / 100). Keep the same rounding for
+    // parity correctness in the test file.
+    const rmdRaw = accountBalance / distributionPeriod;
+    const rmdAmount = Math.round(rmdRaw * 100) / 100;
+    const penaltyIfMissed = Math.round(rmdAmount * RMD_MISSED_EXCISE_RATE * 100) / 100;
+    return {
+        rmdAmount,
+        distributionPeriod,
+        lifeExpectancyFactor: distributionPeriod,
+        tableUsed: "uniform-lifetime",
+        penaltyIfMissed,
+        meta: {
+            tableYear: 2026,
+            source: RMD_TABLE_SOURCE,
+        },
+    };
+}
+/**
+ * Look up the distribution period from the Uniform Lifetime Table.
+ * Mirrors site `getDistributionPeriod`: clamps to [72, 120] and floors
+ * fractional ages.
+ */
+function lookupDistributionPeriod(age) {
+    const lookupAge = Math.min(Math.max(Math.floor(age), UNIFORM_LIFETIME_MIN_AGE), UNIFORM_LIFETIME_MAX_AGE);
+    const factor = UNIFORM_LIFETIME_TABLE_2026[lookupAge];
+    if (factor === undefined) {
+        // Defensive: bounds validation should prevent this. If we ever hit it,
+        // throwing surfaces it as INTERNAL via the tool wrapper rather than
+        // silently returning NaN.
+        throw new Error(`RMD: no distribution-period factor for age ${age} (lookupAge=${lookupAge})`);
+    }
+    return factor;
+}
+//# sourceMappingURL=rmd.js.map

package/dist/engines/rmd.js.map

@@ -0,0 +1 @@
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package/dist/engines/rothConversion.d.ts

@@ -0,0 +1,124 @@
+/**
+ * Roth Conversion tax-impact engine — lifted from
+ * site/src/pages/roth-conversion-calculator/roth-conversion-calculator.js
+ * (functions in tax-brackets.js + calculateBreakEvenYears) and
+ * site/src/utils/tax-brackets.js (calculateIncrementalTax, getMarginalRate).
+ *
+ * Per ADR-0039 § 5: pure synchronous function, ENGINE_VERSION constant,
+ * parity test against the source site engine.
+ *
+ * Scope (S141 Wave 1A Item #2, per S141 Risk #2): SINGLE-CONVERSION tax
+ * impact only. Multi-year scenario simulation / optimization is deferred to a
+ * future tool (`dc.calculator.rothConversion.multiYearOptimization`). This
+ * tool answers "if I convert $X today, what's my federal tax owed?" and
+ * "when do I break even on the upfront tax?"
+ *
+ * NOT MODELED (intentional scope limits):
+ * - State tax on the conversion (caller's responsibility; conversion is
+ *   typically taxed by state at ordinary-income rates).
+ * - IRMAA tier impact (the site calculator surfaces this; out of scope for
+ *   the MCP v0.3.0 tool).
+ * - 5-year rule timing for individual contributions (we report whether the
+ *   5-year rule applies based on age < 59.5, but don't model the per-
+ *   conversion clock).
+ *
+ * Math reference:
+ *   For taxable income I and conversion amount C:
+ *     beforeTax    = bracketTax(I, brackets[filingStatus])
+ *     afterTax     = bracketTax(I + C, brackets[filingStatus])
+ *     taxOwed      = afterTax − beforeTax              (incremental)
+ *     marginalRate = top bracket spanned by (I + C)
+ *     effectiveRate = taxOwed / C
+ *
+ *   Break-even years (when conversion tax savings recoup themselves, given
+ *   the user's retirement marginal rate is lower than the conversion
+ *   marginal rate and tax-free Roth growth at real return r):
+ *     If retirementMarginalRate >= conversionMarginalRate → 0
+ *       (already break-even because future bracket ≥ today's)
+ *     Else:
+ *       savingsPerYear ≈ futureBalance × (conversionMarginalRate −
+ *                                          retirementMarginalRate)
+ *       breakEvenYears = log((1 − totalConvRate) / (1 − totalFutureRate))
+ *                        / log(1 + r)
+ *       (where totalConvRate ≈ effectiveRateOnConversion,
+ *              totalFutureRate ≈ retirementMarginalRate)
+ *
+ *   This is the same break-even math the site `calculateBreakEvenYears`
+ *   function uses (we drop the explicit state-tax term; caller-side).
+ *
+ * Source: IRS Rev. Proc. 2025-32 (2026 federal tax brackets).
+ *         Last verified: 2026-05-09.
+ */
+import { type FilingStatus } from "./data/federalTax.js";
+/**
+ * SemVer of the Roth conversion engine. Per ADR-0039 § 5 (reaffirmed in
+ * ADR-0041 Position #4a): major bump = math change; minor = additive output;
+ * patch = numerical correction. NOT bumped for cosmetic refactors.
+ * - 1.0.0: initial v1 lift from roth-conversion-calculator.js + tax-brackets.js
+ *          (S141 Wave 1A).
+ */
+export declare const ENGINE_VERSION = "1.0.0";
+/** Inputs to the Roth conversion tax-impact engine. */
+export interface RothConversionTaxImpactInput {
+    /** Conversion amount (USD). Must be > 0 to compute taxes. */
+    conversionAmount: number;
+    /** User's current age (used for 5-year rule flag). */
+    age: number;
+    /** Federal filing status. */
+    filingStatus: FilingStatus;
+    /** Current federal taxable income (before adding the conversion), USD. */
+    currentTaxableIncome: number;
+    /**
+     * Expected retirement marginal federal tax rate, whole-number percent
+     * (e.g., 12 for 12%). Optional — when omitted, `breakEvenYears` is `null`.
+     */
+    retirementMarginalRatePercent?: number;
+    /**
+     * Expected real (inflation-adjusted) annual return on the converted Roth
+     * balance, whole-number percent. Defaults to 7 (a reasonable real-return
+     * assumption for a diversified portfolio). Used only for break-even math.
+     */
+    expectedReturnPercent?: number;
+}
+/** Result payload returned by the engine. */
+export interface RothConversionTaxImpactResult {
+    /** Incremental federal income tax on the conversion amount, USD. */
+    taxOwed: number;
+    /**
+     * Top marginal federal bracket the conversion pushes the user into,
+     * expressed as a decimal (e.g., 0.32 for 32%).
+     */
+    marginalRateOnConversion: number;
+    /** taxOwed / conversionAmount, as a decimal. 0 if conversionAmount = 0. */
+    effectiveRateOnConversion: number;
+    /**
+     * Whether the Roth 5-year rule clock applies for this conversion:
+     * true if user is under age 59.5 at conversion. (Conversions made when
+     * the account holder is < 59.5 incur a separate 5-year clock for
+     * penalty-free withdrawal of converted principal.)
+     */
+    fiveYearRuleApplies: boolean;
+    /**
+     * Years until tax-free Roth growth offsets the upfront conversion tax,
+     * assuming retirementMarginalRate < conversionMarginalRate. `null` if
+     * `retirementMarginalRatePercent` was not provided. `0` if retirement
+     * rate ≥ conversion rate (already break-even). May be `Infinity` if
+     * mathematically unreachable.
+     */
+    breakEvenYears: number | null;
+    /** Provenance metadata. */
+    meta: {
+        /** IRS tax year these brackets apply to. */
+        tableYear: number;
+        /** Source authority. */
+        source: string;
+    };
+}
+/**
+ * Compute Roth conversion tax impact (single conversion).
+ *
+ * 1-to-1 port of the federal-tax + incremental-tax + marginal-rate +
+ * break-even logic the site uses, with state tax / IRMAA omitted per scope.
+ */
+export declare function taxImpact(input: RothConversionTaxImpactInput): RothConversionTaxImpactResult;
+//# sourceMappingURL=rothConversion.d.ts.map

package/dist/engines/rothConversion.d.ts.map

@@ -0,0 +1 @@
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package/dist/engines/rothConversion.js

@@ -0,0 +1,145 @@
+/**
+ * Roth Conversion tax-impact engine — lifted from
+ * site/src/pages/roth-conversion-calculator/roth-conversion-calculator.js
+ * (functions in tax-brackets.js + calculateBreakEvenYears) and
+ * site/src/utils/tax-brackets.js (calculateIncrementalTax, getMarginalRate).
+ *
+ * Per ADR-0039 § 5: pure synchronous function, ENGINE_VERSION constant,
+ * parity test against the source site engine.
+ *
+ * Scope (S141 Wave 1A Item #2, per S141 Risk #2): SINGLE-CONVERSION tax
+ * impact only. Multi-year scenario simulation / optimization is deferred to a
+ * future tool (`dc.calculator.rothConversion.multiYearOptimization`). This
+ * tool answers "if I convert $X today, what's my federal tax owed?" and
+ * "when do I break even on the upfront tax?"
+ *
+ * NOT MODELED (intentional scope limits):
+ * - State tax on the conversion (caller's responsibility; conversion is
+ *   typically taxed by state at ordinary-income rates).
+ * - IRMAA tier impact (the site calculator surfaces this; out of scope for
+ *   the MCP v0.3.0 tool).
+ * - 5-year rule timing for individual contributions (we report whether the
+ *   5-year rule applies based on age < 59.5, but don't model the per-
+ *   conversion clock).
+ *
+ * Math reference:
+ *   For taxable income I and conversion amount C:
+ *     beforeTax    = bracketTax(I, brackets[filingStatus])
+ *     afterTax     = bracketTax(I + C, brackets[filingStatus])
+ *     taxOwed      = afterTax − beforeTax              (incremental)
+ *     marginalRate = top bracket spanned by (I + C)
+ *     effectiveRate = taxOwed / C
+ *
+ *   Break-even years (when conversion tax savings recoup themselves, given
+ *   the user's retirement marginal rate is lower than the conversion
+ *   marginal rate and tax-free Roth growth at real return r):
+ *     If retirementMarginalRate >= conversionMarginalRate → 0
+ *       (already break-even because future bracket ≥ today's)
+ *     Else:
+ *       savingsPerYear ≈ futureBalance × (conversionMarginalRate −
+ *                                          retirementMarginalRate)
+ *       breakEvenYears = log((1 − totalConvRate) / (1 − totalFutureRate))
+ *                        / log(1 + r)
+ *       (where totalConvRate ≈ effectiveRateOnConversion,
+ *              totalFutureRate ≈ retirementMarginalRate)
+ *
+ *   This is the same break-even math the site `calculateBreakEvenYears`
+ *   function uses (we drop the explicit state-tax term; caller-side).
+ *
+ * Source: IRS Rev. Proc. 2025-32 (2026 federal tax brackets).
+ *         Last verified: 2026-05-09.
+ */
+import { FEDERAL_TAX_BRACKETS_2026, } from "./data/federalTax.js";
+/**
+ * SemVer of the Roth conversion engine. Per ADR-0039 § 5 (reaffirmed in
+ * ADR-0041 Position #4a): major bump = math change; minor = additive output;
+ * patch = numerical correction. NOT bumped for cosmetic refactors.
+ * - 1.0.0: initial v1 lift from roth-conversion-calculator.js + tax-brackets.js
+ *          (S141 Wave 1A).
+ */
+export const ENGINE_VERSION = "1.0.0";
+/**
+ * Progressive bracket lookup — verbatim port of site `calculateBracketTax`.
+ */
+function bracketTax(taxable, brackets) {
+    if (!brackets.length || taxable <= 0)
+        return 0;
+    for (let i = brackets.length - 1; i >= 0; i--) {
+        const b = brackets[i];
+        if (taxable > b.min) {
+            return b.baseTax + (taxable - b.min) * b.rate;
+        }
+    }
+    return 0;
+}
+/**
+ * Get the marginal (top) bracket rate for a given taxable income —
+ * verbatim port of site `getMarginalRate` (returns as decimal).
+ */
+function marginalRateFor(taxable, brackets) {
+    if (taxable <= 0)
+        return brackets[0]?.rate ?? 0;
+    for (let i = brackets.length - 1; i >= 0; i--) {
+        if (taxable > brackets[i].min)
+            return brackets[i].rate;
+    }
+    return brackets[0]?.rate ?? 0;
+}
+/**
+ * Compute Roth conversion tax impact (single conversion).
+ *
+ * 1-to-1 port of the federal-tax + incremental-tax + marginal-rate +
+ * break-even logic the site uses, with state tax / IRMAA omitted per scope.
+ */
+export function taxImpact(input) {
+    const { conversionAmount, age, filingStatus, currentTaxableIncome, retirementMarginalRatePercent, expectedReturnPercent = 7, } = input;
+    const brackets = FEDERAL_TAX_BRACKETS_2026[filingStatus];
+    // Incremental federal tax — bracket walk before + after the conversion.
+    const beforeTax = bracketTax(currentTaxableIncome, brackets);
+    const afterTax = bracketTax(currentTaxableIncome + conversionAmount, brackets);
+    const taxOwed = Math.max(0, afterTax - beforeTax);
+    // Marginal rate the conversion pushes us into (top spanned bracket).
+    const marginalRateOnConversion = marginalRateFor(currentTaxableIncome + conversionAmount, brackets);
+    // Effective rate (averaged across the brackets the conversion spans).
+    const effectiveRateOnConversion = conversionAmount > 0 ? taxOwed / conversionAmount : 0;
+    // 5-year rule applies for under-59.5 conversions.
+    const fiveYearRuleApplies = age < 59.5;
+    // Break-even years — only when retirementMarginalRatePercent is provided.
+    // We use the same log-ratio form as the site calculator's
+    // calculateBreakEvenYears (state tax omitted here per scope).
+    let breakEvenYears = null;
+    if (typeof retirementMarginalRatePercent === "number") {
+        const futureRate = retirementMarginalRatePercent / 100;
+        const conversionRate = effectiveRateOnConversion;
+        const r = expectedReturnPercent / 100;
+        if (futureRate >= conversionRate) {
+            // Future tax rate ≥ today's conversion rate → already break-even.
+            breakEvenYears = 0;
+        }
+        else if (conversionRate >= 1) {
+            breakEvenYears = Infinity;
+        }
+        else if (r <= 0) {
+            breakEvenYears = Infinity;
+        }
+        else {
+            // log((1 - futureRate) / (1 - conversionRate)) / log(1 + r)
+            const numerator = Math.log((1 - futureRate) / (1 - conversionRate));
+            const denominator = Math.log(1 + r);
+            const raw = numerator / denominator;
+            breakEvenYears = raw < 0 ? 0 : raw;
+        }
+    }
+    return {
+        taxOwed,
+        marginalRateOnConversion,
+        effectiveRateOnConversion,
+        fiveYearRuleApplies,
+        breakEvenYears,
+        meta: {
+            tableYear: 2026,
+            source: "IRS Rev. Proc. 2025-32",
+        },
+    };
+}
+//# sourceMappingURL=rothConversion.js.map

package/dist/engines/rothConversion.js.map

@@ -0,0 +1 @@
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package/dist/engines/socialSecurity.d.ts

@@ -20,10 +20,14 @@
  * Output values are USD monthly benefits (or USD lifetime totals).
  */
 /**
- * SemVer of the SS engine.
- * - 0.2.0: initial port (S136). Co-incident with the package-wide S136 batch bump.
+ * SemVer of the SS engine. Per ADR-0039 § 5 (reaffirmed in ADR-0041 Position #4a):
+ * major bump = math change; minor = additive output; patch = numerical correction.
+ * NOT bumped for cosmetic refactors.
+ * - 0.2.0 (v0.1.0 publish): initial port (S136), shipped under out-of-policy package-surface version.
+ * - 1.0.0 (v0.2.0 publish): one-time reset to align with ADR-0039 § 5 per ADR-0041 D4a.
+ *   Math unchanged.
  */
-export declare const ENGINE_VERSION = "0.2.0";
+export declare const ENGINE_VERSION = "1.0.0";
 /** Inputs to the SS estimate engine. */
 export interface SocialSecurityEstimateInput {
     /** Birth year (1943-2004 supported). */

package/dist/engines/socialSecurity.d.ts.map

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package/dist/engines/socialSecurity.js

@@ -21,10 +21,14 @@
  */
 import { SSA_BEND_POINTS, SS_WAGE_BASE, DEFAULT_LIFE_EXPECTANCY, } from "./data/ssa.js";
 /**
- * SemVer of the SS engine.
- * - 0.2.0: initial port (S136). Co-incident with the package-wide S136 batch bump.
+ * SemVer of the SS engine. Per ADR-0039 § 5 (reaffirmed in ADR-0041 Position #4a):
+ * major bump = math change; minor = additive output; patch = numerical correction.
+ * NOT bumped for cosmetic refactors.
+ * - 0.2.0 (v0.1.0 publish): initial port (S136), shipped under out-of-policy package-surface version.
+ * - 1.0.0 (v0.2.0 publish): one-time reset to align with ADR-0039 § 5 per ADR-0041 D4a.
+ *   Math unchanged.
  */
-export const ENGINE_VERSION = "0.2.0";
+export const ENGINE_VERSION = "1.0.0";
 // ---------------------------------------------------------------------------
 // FRA lookup (mirrors site engine FRA_TABLE)
 // ---------------------------------------------------------------------------

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package/dist/index.d.ts

@@ -2,29 +2,41 @@
 /**
  * @markcolabs/mcp — MCP server entrypoint.
  *
- * Sprint 136 v0.1.0 (per ADR-0039). Registers:
- *   - 5 tools:
- *       dc.calculator.mortgage.monthlyPayment       (S135 Item 5)
- *       dc.calculator.compoundInterest.futureValue  (S135 Item 5)
- *       dc.calculator.401k.projection               (S136 Item 3)
- *       dc.calculator.socialSecurity.estimate       (S136 Item 3)
- *       dc.calculator.paycheck.netPay               (S136 Item 3)
+ * v0.3.0 (per ADR-0039 + ADR-0041 reconciliation; S141 Wave 1A + 1B).
+ * Registers:
+ *   - 9 tools:
+ *       dc.calculator.mortgage.monthlyPayment           (S135 Item 5)
+ *       dc.calculator.compoundInterest.futureValue      (S135 Item 5)
+ *       dc.calculator.retirement401k.projection         (S136 Item 3, renamed v0.2.0 per ADR-0041 D2)
+ *       dc.calculator.socialSecurity.estimatedBenefit   (S136 Item 3, renamed v0.2.0 per ADR-0041 D2)
+ *       dc.calculator.paycheck.netPay                   (S136 Item 3)
+ *       dc.calculator.ira.contributionLimit             (S141 Wave 1A)
+ *       dc.calculator.rothConversion.taxImpact          (S141 Wave 1A)
+ *       dc.calculator.rmd.distributionAmount            (S141 Wave 1B — new)
+ *       dc.calculator.hsa.contributionLimit             (S141 Wave 1B — new)
  *   - 1 resource: dc://disclaimers/ymyl (canonical YMYL disclaimer)
  *
  * Transport: stdio (default for local MCP clients).
  *
- * S136 hits O5-KR1 5-tool target. Post-S136: methodology resources
- * (dc://methodologies/*) and the `plan-retirement` prompt template (O5-KR2).
+ * S141 Wave 1A took tool coverage 5 → 7; Wave 1B finalizes 7 → 9 (v0.3.0).
  */
 export { execute as executeMortgageTool } from "./tools/mortgage.js";
 export { execute as executeCompoundInterestTool } from "./tools/compoundInterest.js";
 export { execute as executeRetirement401kTool } from "./tools/retirement401k.js";
 export { execute as executeSocialSecurityTool } from "./tools/socialSecurity.js";
 export { execute as executePaycheckTool } from "./tools/paycheck.js";
+export { execute as executeIraTool } from "./tools/ira.js";
+export { execute as executeRothConversionTool } from "./tools/rothConversion.js";
+export { execute as executeRmdTool } from "./tools/rmd.js";
+export { execute as executeHsaTool } from "./tools/hsa.js";
 export * as mortgageEngine from "./engines/mortgage.js";
 export * as compoundInterestEngine from "./engines/compoundInterest.js";
 export * as retirement401kEngine from "./engines/retirement401k.js";
 export * as socialSecurityEngine from "./engines/socialSecurity.js";
 export * as paycheckEngine from "./engines/paycheck.js";
+export * as iraEngine from "./engines/ira.js";
+export * as rothConversionEngine from "./engines/rothConversion.js";
+export * as rmdEngine from "./engines/rmd.js";
+export * as hsaEngine from "./engines/hsa.js";
 export * from "./envelope.js";
 //# sourceMappingURL=index.d.ts.map

package/dist/index.d.ts.map

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