@markcolabs/mcp 0.3.0 → 0.4.0

package/dist/engines/data/stateTax2026.js.map

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

@@ -1,110 +0,0 @@
-/**
- * HSA (Health Savings Account) contribution-limit engine — lifted from
- * site/src/utils/hsa-limits.js (functions `getMaxContribution`,
- * `isCatchUpEligible`).
- *
- * 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): contribution-LIMIT and employer-reduction
- * math. Does NOT compute long-term HSA growth projection (the site calc's
- * `generateGrowthProjection`) or split federal/state/FICA tax-savings
- * breakdown (the site calc's `calculateTotalTaxSavings` returns a 3-component
- * breakdown). For v1 this tool exposes a single `payrollDeductionTaxSavings`
- * convenience field — combined federal+state+FICA at the caller-provided
- * marginal rate — as the simplest useful tax-impact answer. Detailed
- * breakdowns are a future tool: `dc.calculator.hsa.taxSavingsBreakdown`.
- *
- * Math reference (per IRC §223 + IRS Rev. Proc. 2025-19):
- *   baseLimit = coverageTier === "family" ? family : selfOnly
- *   catchUpAmount = age ≥ 55 ? 1000 : 0
- *   totalContributionLimit = baseLimit + catchUpAmount
- *   employeeMaxRemaining = max(0, totalContributionLimit − employerContribution)
- *   payrollDeductionTaxSavings = marginalRate provided
- *                              ? employeeMaxRemaining × (marginalRate / 100)
- *                              : 0
- *
- * Why employer contributions reduce employee max dollar-for-dollar: the IRS
- * §223(b) limit is a TOTAL annual limit across all funding sources, not a
- * per-source limit. An employer that contributes $2,000 to a family-tier HSA
- * leaves $6,750 of room for employee payroll deductions ($8,750 − $2,000).
- *
- * Source: IRS Rev. Proc. 2025-19 (2026 HSA inflation adjustments) +
- *         IRC §223(b)(3)(B) (statutory $1,000 catch-up, NOT inflation-indexed).
- * Last verified: 2026-05-27.
- */
-/**
- * SemVer of the HSA 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 hsa-limits.js (S141 Wave 1B).
- */
-export declare const ENGINE_VERSION = "1.0.0";
-/**
- * HDHP coverage tier. IRS canonical names per Rev. Proc. 2025-19:
- *   - `"self-only"` (≈ site's `"individual"` spelling)
- *   - `"family"` (matches site)
- */
-export type HsaCoverageTier = "self-only" | "family";
-/** Inputs to the HSA contribution-limit engine. */
-export interface HsaContributionLimitInput {
-    /** Current age (drives age-55+ catch-up eligibility). */
-    age: number;
-    /** HDHP coverage tier. */
-    coverageTier: HsaCoverageTier;
-    /**
-     * Annual employer HSA contribution, USD. Reduces the employee's eligible
-     * payroll-deduction room dollar-for-dollar. Defaults to 0.
-     */
-    employerContribution?: number;
-    /**
-     * Estimated marginal federal tax rate, whole-number percent (e.g., 22 for
-     * 22%). Optional — when omitted, `payrollDeductionTaxSavings` returns 0.
-     * Combined federal+state+FICA is a future tool; for v1 this is treated as
-     * the user's effective marginal rate against the remaining employee
-     * contribution.
-     */
-    estimatedMarginalRatePercent?: number;
-}
-/** Result payload returned by the engine. */
-export interface HsaContributionLimitResult {
-    /** Base IRS limit for the selected coverage tier (without catch-up), USD. */
-    contributionLimit: number;
-    /** Whether the user qualifies for the age 55+ catch-up. */
-    catchUpEligible: boolean;
-    /** Catch-up amount applied ($1,000 if eligible, else 0), USD. */
-    catchUpAmount: number;
-    /** Total annual limit (contributionLimit + catchUpAmount), USD. */
-    totalContributionLimit: number;
-    /** Echoes the input employer contribution, USD. */
-    employerContribution: number;
-    /**
-     * Remaining room the EMPLOYEE can contribute via payroll after subtracting
-     * the employer contribution. Clamped at 0 (an over-the-cap employer
-     * contribution does not produce negative employee room). USD.
-     */
-    employeeMaxRemaining: number;
-    /**
-     * Estimated tax savings if the employee contributes employeeMaxRemaining
-     * via payroll, at the provided marginal rate. 0 when marginal rate is not
-     * provided. USD.
-     */
-    payrollDeductionTaxSavings: number;
-    /** Provenance metadata. */
-    meta: {
-        /** IRS tax year these limits apply to. */
-        tableYear: number;
-        /** Source authority (IRS revenue procedure / IRC citation). */
-        source: string;
-    };
-}
-/**
- * Compute the HSA contribution limit + employer-reduction + payroll-deduction
- * tax savings for the given inputs.
- *
- * 1-to-1 logic port of site/src/utils/hsa-limits.js `getMaxContribution` +
- * `isCatchUpEligible`, extended with the explicit employer-reduction math
- * and an optional payroll-deduction tax-savings convenience field.
- */
-export declare function contributionLimit(input: HsaContributionLimitInput): HsaContributionLimitResult;
-//# sourceMappingURL=hsa.d.ts.map

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

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package/dist/engines/hsa.js

@@ -1,83 +0,0 @@
-/**
- * HSA (Health Savings Account) contribution-limit engine — lifted from
- * site/src/utils/hsa-limits.js (functions `getMaxContribution`,
- * `isCatchUpEligible`).
- *
- * 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): contribution-LIMIT and employer-reduction
- * math. Does NOT compute long-term HSA growth projection (the site calc's
- * `generateGrowthProjection`) or split federal/state/FICA tax-savings
- * breakdown (the site calc's `calculateTotalTaxSavings` returns a 3-component
- * breakdown). For v1 this tool exposes a single `payrollDeductionTaxSavings`
- * convenience field — combined federal+state+FICA at the caller-provided
- * marginal rate — as the simplest useful tax-impact answer. Detailed
- * breakdowns are a future tool: `dc.calculator.hsa.taxSavingsBreakdown`.
- *
- * Math reference (per IRC §223 + IRS Rev. Proc. 2025-19):
- *   baseLimit = coverageTier === "family" ? family : selfOnly
- *   catchUpAmount = age ≥ 55 ? 1000 : 0
- *   totalContributionLimit = baseLimit + catchUpAmount
- *   employeeMaxRemaining = max(0, totalContributionLimit − employerContribution)
- *   payrollDeductionTaxSavings = marginalRate provided
- *                              ? employeeMaxRemaining × (marginalRate / 100)
- *                              : 0
- *
- * Why employer contributions reduce employee max dollar-for-dollar: the IRS
- * §223(b) limit is a TOTAL annual limit across all funding sources, not a
- * per-source limit. An employer that contributes $2,000 to a family-tier HSA
- * leaves $6,750 of room for employee payroll deductions ($8,750 − $2,000).
- *
- * Source: IRS Rev. Proc. 2025-19 (2026 HSA inflation adjustments) +
- *         IRC §223(b)(3)(B) (statutory $1,000 catch-up, NOT inflation-indexed).
- * Last verified: 2026-05-27.
- */
-import { LIMITS_HSA_2026 } from "./data/irs2026.js";
-/**
- * SemVer of the HSA 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 hsa-limits.js (S141 Wave 1B).
- */
-export const ENGINE_VERSION = "1.0.0";
-/**
- * Compute the HSA contribution limit + employer-reduction + payroll-deduction
- * tax savings for the given inputs.
- *
- * 1-to-1 logic port of site/src/utils/hsa-limits.js `getMaxContribution` +
- * `isCatchUpEligible`, extended with the explicit employer-reduction math
- * and an optional payroll-deduction tax-savings convenience field.
- */
-export function contributionLimit(input) {
-    const { age, coverageTier, employerContribution = 0, estimatedMarginalRatePercent, } = input;
-    // Base contribution limit per coverage tier (IRS Rev. Proc. 2025-19).
-    const baseLimit = coverageTier === "family"
-        ? LIMITS_HSA_2026.family
-        : LIMITS_HSA_2026.selfOnly;
-    // Catch-up: $1,000 if age ≥ 55 (statutory, IRC §223(b)(3)(B)).
-    const catchUpEligible = age >= LIMITS_HSA_2026.catchUpAge;
-    const catchUpAmount = catchUpEligible ? LIMITS_HSA_2026.catchUp : 0;
-    const totalContributionLimit = baseLimit + catchUpAmount;
-    // Employer contribution reduces employee max dollar-for-dollar; clamp at 0.
-    const employeeMaxRemaining = Math.max(0, totalContributionLimit - employerContribution);
-    // Payroll-deduction tax savings (combined federal + state + FICA proxy).
-    // Pre-tax payroll deduction reduces taxable income → marginal-rate savings.
-    const payrollDeductionTaxSavings = typeof estimatedMarginalRatePercent === "number"
-        ? Math.round(employeeMaxRemaining * (estimatedMarginalRatePercent / 100) * 100) / 100
-        : 0;
-    return {
-        contributionLimit: baseLimit,
-        catchUpEligible,
-        catchUpAmount,
-        totalContributionLimit,
-        employerContribution,
-        employeeMaxRemaining,
-        payrollDeductionTaxSavings,
-        meta: {
-            tableYear: 2026,
-            source: "IRS Rev. Proc. 2025-19; IRC §223(b)(3)(B) (statutory $1,000 catch-up)",
-        },
-    };
-}
-//# sourceMappingURL=hsa.js.map

package/dist/engines/hsa.js.map

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package/dist/engines/ira.d.ts

@@ -1,115 +0,0 @@
-/**
- * IRA contribution-limit engine — lifted from
- * site/src/utils/ira-limits.js (functions `getContributionLimit`,
- * `isCatchUpEligible`, `getRothContributionLimit`).
- *
- * Per ADR-0039 § 5: pure synchronous function, ENGINE_VERSION constant,
- * parity test against the site source as the gate.
- *
- * Scope (S141 Wave 1A Item #2): MAGI + age + filing status → eligible Roth /
- * Traditional contribution + phase-out reduction. Catch-up eligibility for
- * age ≥ 50. Does NOT compute future-value projection or tax-deduction
- * reinvestment side-account math — those stay in the calculator UI / a future
- * tool. This is a contribution-LIMIT tool, not a projection tool.
- *
- * Math reference (Roth, per IRC §408A(c)(3)):
- *   baseCap     = age ≥ 50 ? standard + catchUp : standard
- *   if MAGI ≤ phaseOut.start  → eligible = baseCap
- *   if MAGI ≥ phaseOut.end    → eligible = 0
- *   else:
- *     reductionRatio = (MAGI − phaseOut.start) / (phaseOut.end − phaseOut.start)
- *     reduced       = baseCap × (1 − reductionRatio)
- *     eligible      = max(round_to_$10(reduced), reduced > 0 ? $200 : 0)
- *
- * Math reference (Traditional, per IRC §219(b) + §219(g)):
- *   eligible    = baseCap   (Traditional CONTRIBUTION is not MAGI-limited;
- *                            only the DEDUCTION is, via §219(g) phase-out.
- *                            The contributionLimit tool reports the
- *                            contribution; the deduction phase-out is
- *                            surfaced as a separate field for clients that
- *                            need it.)
- *
- * Source: IRS Notice 2025-67 (2026 retirement plan limits) +
- *         SECURE 2.0 Act §107 (catch-up indexing).
- */
-/**
- * SemVer of the IRA 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 ira-limits.js (S141 Wave 1A).
- */
-export declare const ENGINE_VERSION = "1.0.0";
-/** Filing status (camelCase, matches the MCP package's federalTax convention). */
-export type IraFilingStatus = "single" | "marriedFilingJointly" | "marriedFilingSeparately" | "headOfHousehold";
-/** IRA type — drives Roth vs Traditional phase-out semantics. */
-export type IraType = "traditional" | "roth";
-/** Inputs to the IRA contribution-limit engine. */
-export interface IraContributionLimitInput {
-    /** Current age (used for catch-up eligibility). */
-    age: number;
-    /** Federal filing status. */
-    filingStatus: IraFilingStatus;
-    /**
-     * Modified Adjusted Gross Income (MAGI), USD. Drives Roth phase-out and
-     * is reported alongside the Traditional deduction-phase-out signal.
-     */
-    magi: number;
-    /** Whether to compute the limit for Traditional or Roth. */
-    type: IraType;
-}
-/** Result payload returned by the engine. */
-export interface IraContributionLimitResult {
-    /** User's max eligible contribution after phase-out, USD. */
-    eligibleContribution: number;
-    /** Base IRA limit (before catch-up), USD. Same for Traditional and Roth. */
-    traditionalCap: number;
-    /** Base Roth IRA limit (before catch-up), USD. Same number as traditionalCap. */
-    rothCap: number;
-    /** Catch-up contribution if age ≥ 50, else 0, USD. */
-    catchUp: number;
-    /**
-     * Reduction applied due to MAGI phase-out (Roth only, USD).
-     * For Traditional this is always 0 because contributionLimit is not
-     * MAGI-gated (the DEDUCTION is, surfaced separately).
-     */
-    phaseOutReduction: number;
-    /**
-     * Whether the user is in the catch-up window (age ≥ catchUpAge).
-     * Set independent of `type` so clients can advertise the catch-up regardless
-     * of which IRA type they're querying.
-     */
-    catchUpEligible: boolean;
-    /**
-     * Traditional IRA deduction phase-out signal (informational; does not
-     * affect `eligibleContribution`). Useful for clients that want to advise
-     * users their Traditional contribution may be non-deductible at high MAGI.
-     *   - "fullyDeductible"   — MAGI ≤ traditionalPhaseOut.start
-     *   - "partiallyDeductible" — MAGI within phase-out range
-     *   - "notDeductible"     — MAGI ≥ traditionalPhaseOut.end
-     *
-     * Assumes the contributor (or spouse) IS covered by a workplace plan; if
-     * neither is covered, full deduction applies regardless of MAGI.
-     */
-    traditionalDeductionStatus: "fullyDeductible" | "partiallyDeductible" | "notDeductible";
-    /** Provenance metadata. */
-    meta: {
-        /** IRS tax year these limits apply to. */
-        tableYear: number;
-        /** Source authority (IRS notice / IRC citation). */
-        source: string;
-    };
-}
-/**
- * Compute IRA contribution limit + phase-out reduction for the given inputs.
- *
- * 1-to-1 logic port of site/src/utils/ira-limits.js `getContributionLimit` +
- * `isCatchUpEligible` + `getRothContributionLimit` (the contribution-limit
- * portion; future-value projection is out of scope per S141 Wave 1A).
- *
- * Filing-status key mapping vs. site (which uses 'single' / 'mfj' / 'mfs'):
- * the MCP camelCase keys ('single' / 'marriedFilingJointly' /
- * 'marriedFilingSeparately' / 'headOfHousehold') resolve to the same numeric
- * phase-out thresholds — see ROTH_PHASE_OUT_2026 in data/irs2026.ts.
- */
-export declare function contributionLimit(input: IraContributionLimitInput): IraContributionLimitResult;
-//# sourceMappingURL=ira.d.ts.map

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

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package/dist/engines/ira.js

@@ -1,127 +0,0 @@
-/**
- * IRA contribution-limit engine — lifted from
- * site/src/utils/ira-limits.js (functions `getContributionLimit`,
- * `isCatchUpEligible`, `getRothContributionLimit`).
- *
- * Per ADR-0039 § 5: pure synchronous function, ENGINE_VERSION constant,
- * parity test against the site source as the gate.
- *
- * Scope (S141 Wave 1A Item #2): MAGI + age + filing status → eligible Roth /
- * Traditional contribution + phase-out reduction. Catch-up eligibility for
- * age ≥ 50. Does NOT compute future-value projection or tax-deduction
- * reinvestment side-account math — those stay in the calculator UI / a future
- * tool. This is a contribution-LIMIT tool, not a projection tool.
- *
- * Math reference (Roth, per IRC §408A(c)(3)):
- *   baseCap     = age ≥ 50 ? standard + catchUp : standard
- *   if MAGI ≤ phaseOut.start  → eligible = baseCap
- *   if MAGI ≥ phaseOut.end    → eligible = 0
- *   else:
- *     reductionRatio = (MAGI − phaseOut.start) / (phaseOut.end − phaseOut.start)
- *     reduced       = baseCap × (1 − reductionRatio)
- *     eligible      = max(round_to_$10(reduced), reduced > 0 ? $200 : 0)
- *
- * Math reference (Traditional, per IRC §219(b) + §219(g)):
- *   eligible    = baseCap   (Traditional CONTRIBUTION is not MAGI-limited;
- *                            only the DEDUCTION is, via §219(g) phase-out.
- *                            The contributionLimit tool reports the
- *                            contribution; the deduction phase-out is
- *                            surfaced as a separate field for clients that
- *                            need it.)
- *
- * Source: IRS Notice 2025-67 (2026 retirement plan limits) +
- *         SECURE 2.0 Act §107 (catch-up indexing).
- */
-import { LIMITS_IRA_2026, ROTH_PHASE_OUT_2026, TRADITIONAL_PHASE_OUT_2026, } from "./data/irs2026.js";
-/**
- * SemVer of the IRA 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 ira-limits.js (S141 Wave 1A).
- */
-export const ENGINE_VERSION = "1.0.0";
-/**
- * IRS rounding rule for phase-out reductions: round to nearest $10, minimum
- * $200 if any contribution is allowed. Per IRC §408A(c)(3)(B)(ii).
- */
-function roundPhaseOutReduction(reduced) {
-    if (reduced <= 0)
-        return 0;
-    const rounded = Math.round(reduced / 10) * 10;
-    return Math.max(rounded, 200);
-}
-/**
- * Compute IRA contribution limit + phase-out reduction for the given inputs.
- *
- * 1-to-1 logic port of site/src/utils/ira-limits.js `getContributionLimit` +
- * `isCatchUpEligible` + `getRothContributionLimit` (the contribution-limit
- * portion; future-value projection is out of scope per S141 Wave 1A).
- *
- * Filing-status key mapping vs. site (which uses 'single' / 'mfj' / 'mfs'):
- * the MCP camelCase keys ('single' / 'marriedFilingJointly' /
- * 'marriedFilingSeparately' / 'headOfHousehold') resolve to the same numeric
- * phase-out thresholds — see ROTH_PHASE_OUT_2026 in data/irs2026.ts.
- */
-export function contributionLimit(input) {
-    const { age, filingStatus, magi, type } = input;
-    // Base cap (Traditional and Roth share the same base contribution limit).
-    const baseCap = LIMITS_IRA_2026.standard;
-    const catchUpEligible = age >= LIMITS_IRA_2026.catchUpAge;
-    const catchUp = catchUpEligible ? LIMITS_IRA_2026.catchUp : 0;
-    const fullCap = baseCap + catchUp;
-    // --- Roth phase-out (eligibility-gated) ---
-    // The Roth contribution itself is phased out at high MAGI. Traditional
-    // contribution is NOT (only its deductibility is — surfaced separately).
-    let eligibleContribution;
-    let phaseOutReduction;
-    if (type === "roth") {
-        const phaseOut = ROTH_PHASE_OUT_2026[filingStatus];
-        if (magi <= phaseOut.start) {
-            eligibleContribution = fullCap;
-            phaseOutReduction = 0;
-        }
-        else if (magi >= phaseOut.end) {
-            eligibleContribution = 0;
-            phaseOutReduction = fullCap;
-        }
-        else {
-            const range = phaseOut.end - phaseOut.start;
-            const overStart = magi - phaseOut.start;
-            const reductionRatio = overStart / range;
-            const reducedRaw = fullCap * (1 - reductionRatio);
-            eligibleContribution = roundPhaseOutReduction(reducedRaw);
-            phaseOutReduction = fullCap - eligibleContribution;
-        }
-    }
-    else {
-        // Traditional: contribution is never MAGI-phased-out, only deduction is.
-        eligibleContribution = fullCap;
-        phaseOutReduction = 0;
-    }
-    // --- Traditional deduction-phase-out signal (informational, always reported) ---
-    const tradPhaseOut = TRADITIONAL_PHASE_OUT_2026[filingStatus];
-    let traditionalDeductionStatus;
-    if (magi <= tradPhaseOut.start) {
-        traditionalDeductionStatus = "fullyDeductible";
-    }
-    else if (magi >= tradPhaseOut.end) {
-        traditionalDeductionStatus = "notDeductible";
-    }
-    else {
-        traditionalDeductionStatus = "partiallyDeductible";
-    }
-    return {
-        eligibleContribution,
-        traditionalCap: baseCap,
-        rothCap: baseCap,
-        catchUp,
-        phaseOutReduction,
-        catchUpEligible,
-        traditionalDeductionStatus,
-        meta: {
-            tableYear: 2026,
-            source: "IRS Notice 2025-67",
-        },
-    };
-}
-//# sourceMappingURL=ira.js.map

package/dist/engines/ira.js.map

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package/dist/engines/mortgage.d.ts

@@ -1,70 +0,0 @@
-/**
- * Mortgage engine — lifted from site/src/pages/mortgage-calculator/mortgage-calculator.js
- * (function `calculateMonthlyPI`).
- *
- * Per ADR-0039 § 5 (Calc-Engine Lift Pattern):
- * - Pure synchronous functions of inputs → results. No DOM, no fetch.
- * - ENGINE_VERSION bumps when math changes (semver).
- * - Parity tests at packages/mcp/test/parity/mortgage.test.ts gate this engine
- *   against the source site calculator JS to the cent.
- *
- * Math reference (standard amortization formula):
- *   M = P * [r(1+r)^n] / [(1+r)^n - 1]
- *   where:
- *     M = monthly payment
- *     P = principal (loan amount)
- *     r = monthly interest rate (annual / 12, as decimal)
- *     n = number of monthly payments (years * 12)
- *
- * For 0% rate the formula reduces to: M = P / n
- */
-/**
- * SemVer of the mortgage engine math. 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.
- * - 0.1.0: initial v1 lift from mortgage-calculator.js (Sprint 135 Item 5).
- * - 0.2.0 (v0.1.0 publish): out-of-policy package-surface bump — superseded.
- * - 1.0.0 (v0.2.0 publish): one-time reset to align with ADR-0039 § 5 semantics
- *   per ADR-0041 D4a. Math is unchanged from 0.1.0 / 0.2.0.
- */
-export declare const ENGINE_VERSION = "1.0.0";
-/**
- * Inputs to the mortgage monthly-payment engine.
- *
- * Per ADR-0039 § 2:
- * - Monetary fields are bare USD numbers.
- * - Percentage fields use whole-number-percent units (e.g., 6.5 for 6.5%).
- *
- * NOTE on convention vs. sprint prompt: the sprint prompt referenced
- * decimal-rate inputs (0.065). ADR-0039 § 2 locks the `Percent` suffix +
- * whole-number-percent convention. The contract wins; this engine accepts
- * `annualRatePercent` (e.g., 6.5).
- */
-export interface MortgageMonthlyPaymentInput {
-    /** Principal loan amount in USD. */
-    principal: number;
-    /** Annual interest rate as whole-number percent (e.g., 6.5 for 6.5%). */
-    annualRatePercent: number;
-    /** Loan term in years. Must be a positive integer. */
-    termYears: number;
-}
-/**
- * Result payload (what goes inside ToolResult.result).
- */
-export interface MortgageMonthlyPaymentResult {
-    /** Monthly principal & interest payment, in USD. */
-    monthlyPayment: number;
-    /** Total interest paid over the life of the loan, in USD. */
-    totalInterest: number;
-    /** Total paid (principal + interest) over the life of the loan, in USD. */
-    totalPaid: number;
-}
-/**
- * Compute the monthly principal & interest payment.
- *
- * 1-to-1 port of site/src/pages/mortgage-calculator/mortgage-calculator.js
- * function `calculateMonthlyPI`. Same math, same edge case handling
- * (0% rate → straight-line amortization).
- */
-export declare function monthlyPayment(input: MortgageMonthlyPaymentInput): MortgageMonthlyPaymentResult;
-//# sourceMappingURL=mortgage.d.ts.map

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

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package/dist/engines/mortgage.js

@@ -1,60 +0,0 @@
-/**
- * Mortgage engine — lifted from site/src/pages/mortgage-calculator/mortgage-calculator.js
- * (function `calculateMonthlyPI`).
- *
- * Per ADR-0039 § 5 (Calc-Engine Lift Pattern):
- * - Pure synchronous functions of inputs → results. No DOM, no fetch.
- * - ENGINE_VERSION bumps when math changes (semver).
- * - Parity tests at packages/mcp/test/parity/mortgage.test.ts gate this engine
- *   against the source site calculator JS to the cent.
- *
- * Math reference (standard amortization formula):
- *   M = P * [r(1+r)^n] / [(1+r)^n - 1]
- *   where:
- *     M = monthly payment
- *     P = principal (loan amount)
- *     r = monthly interest rate (annual / 12, as decimal)
- *     n = number of monthly payments (years * 12)
- *
- * For 0% rate the formula reduces to: M = P / n
- */
-/**
- * SemVer of the mortgage engine math. 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.
- * - 0.1.0: initial v1 lift from mortgage-calculator.js (Sprint 135 Item 5).
- * - 0.2.0 (v0.1.0 publish): out-of-policy package-surface bump — superseded.
- * - 1.0.0 (v0.2.0 publish): one-time reset to align with ADR-0039 § 5 semantics
- *   per ADR-0041 D4a. Math is unchanged from 0.1.0 / 0.2.0.
- */
-export const ENGINE_VERSION = "1.0.0";
-/**
- * Compute the monthly principal & interest payment.
- *
- * 1-to-1 port of site/src/pages/mortgage-calculator/mortgage-calculator.js
- * function `calculateMonthlyPI`. Same math, same edge case handling
- * (0% rate → straight-line amortization).
- */
-export function monthlyPayment(input) {
-    const { principal, annualRatePercent, termYears } = input;
-    const monthlyRate = annualRatePercent / 100 / 12;
-    const numPayments = termYears * 12;
-    let monthly;
-    if (annualRatePercent === 0) {
-        monthly = principal / numPayments;
-    }
-    else {
-        monthly =
-            principal *
-                ((monthlyRate * Math.pow(1 + monthlyRate, numPayments)) /
-                    (Math.pow(1 + monthlyRate, numPayments) - 1));
-    }
-    const totalPaid = monthly * numPayments;
-    const totalInterest = totalPaid - principal;
-    return {
-        monthlyPayment: monthly,
-        totalInterest,
-        totalPaid,
-    };
-}
-//# sourceMappingURL=mortgage.js.map

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