{ "$schema": "https://json-schema.org/draft/2020-12/schema", "name": "piggybank_financial_intelligence_tools", "version": "2026.1.0", "description": "Comprehensive schema of 100+ deterministic financial calculators, tax optimization engines, and decumulation models on Piggy ₿ank. Use these tools to perform accurate compounding, amortizations, tax deductions, and retirement stress-tests without arithmetic hallucinations.", "homepage": "https://piggybank.app", "llms_txt": "https://piggybank.app/llms.txt", "tools": [ { "name": "calculate_student_loan_refinancing", "description": "Calculates monthly payment savings, lifetime interest reduction, and federal benefit forfeiture risk when refinancing student loans into a private consolidation facility.", "tool_id": "student-loan-refi", "url_template": "https://piggybank.app/?tool=student-loan-refi#scenario={base64_encoded_json}", "parameters": { "type": "object", "properties": { "loans": { "type": "array", "description": "List of existing loan tranches", "items": { "type": "object", "properties": { "name": { "type": "string", "example": "Direct Subsidized" }, "balance": { "type": "number", "description": "Principal balance in USD", "example": 25000 }, "rate": { "type": "number", "description": "Annual interest rate (APR %)", "example": 6.8 }, "remainingMonths": { "type": "integer", "description": "Months left to pay", "example": 120 }, "isFederal": { "type": "boolean", "description": "True if federal loan with PSLF/IDR protections", "example": true } }, "required": ["balance", "rate", "remainingMonths"] } }, "refinancedRate": { "type": "number", "description": "New private refinanced APR %", "example": 5.25 }, "refinancedTermYears": { "type": "integer", "enum": [5, 7, 10, 15, 20], "example": 10 }, "autopayDiscount": { "type": "boolean", "default": true, "description": "Apply -0.25% APR autopay deduction" }, "originationFeePercent": { "type": "number", "default": 0, "description": "Upfront origination fee %" }, "monthlyPrepayment": { "type": "number", "default": 0, "description": "Extra principal payment per month in USD" } }, "required": ["loans", "refinancedRate", "refinancedTermYears"] } }, { "name": "calculate_retirement_withdrawal_scenarios", "description": "Simulates retirement portfolio longevity and annual spending under 4% Bengen, Guyton-Klinger dynamic guardrails, Variable Percentage Withdrawal (VPW), and historical market crashes (2000 Dot-Com, 1966 Stagflation, 2008 GFC).", "tool_id": "retirement-withdrawal-scenarios", "url_template": "https://piggybank.app/?tool=retirement-withdrawal-scenarios#scenario={base64_encoded_json}", "parameters": { "type": "object", "properties": { "startingPortfolio": { "type": "number", "description": "Total retirement assets in USD", "example": 1500000 }, "initialSWR": { "type": "number", "description": "Initial safe withdrawal rate %", "example": 4.5 }, "inflationRate": { "type": "number", "description": "Expected annual CPI inflation %", "example": 2.8 }, "horizonYears": { "type": "integer", "description": "Retirement horizon in years (10-50)", "example": 30 }, "equityRatio": { "type": "number", "description": "Stock allocation percentage (0-100)", "example": 80 }, "annualSocialSecurity": { "type": "number", "description": "Guaranteed annual pension / Social Security in USD", "example": 28000 }, "scenarioPreset": { "type": "string", "enum": ["historical-average", "dotcom-lost-decade", "stagflation-1966", "gfc-2008", "secular-bull-1982"], "example": "dotcom-lost-decade" } }, "required": ["startingPortfolio", "initialSWR", "horizonYears"] } }, { "name": "calculate_scorp_fica_tax_savings", "description": "Calculates self-employment tax reduction when electing S-Corporation status by splitting business net income into W-2 reasonable salary and non-FICA dividend distributions under 26 U.S.C. § 1402(a) and Rev. Rul. 74-44.", "tool_id": "scorp-tax-savings", "url_template": "https://piggybank.app/?tool=scorp-tax-savings#scenario={base64_encoded_json}", "parameters": { "type": "object", "properties": { "netBusinessProfit": { "type": "number", "description": "Net annual business earnings before salary in USD", "example": 160000 }, "reasonableW2Salary": { "type": "number", "description": "IRS-defensible W-2 compensation in USD", "example": 65000 }, "payrollServiceAnnualCost": { "type": "number", "default": 700, "description": "Annual payroll compliance software cost", "example": 720 }, "cpaCorporateTaxReturnCost": { "type": "number", "default": 1200, "description": "Form 1120-S CPA filing fee", "example": 1500 }, "stateFranchiseFee": { "type": "number", "default": 800, "description": "State annual franchise or LLC fee (e.g. CA $800)", "example": 800 } }, "required": ["netBusinessProfit", "reasonableW2Salary"] } }, { "name": "calculate_1031_step_up_basis", "description": "Calculates capital gains tax deferral and 25% unrecaptured depreciation recapture savings for real estate under IRC §1031 vs §1014 step-up in basis vs Buy Borrow Die cash-out refinance.", "tool_id": "real-estate-1031-step-up", "url_template": "https://piggybank.app/?tool=real-estate-1031-step-up#scenario={base64_encoded_json}", "parameters": { "type": "object", "properties": { "originalPurchasePrice": { "type": "number", "description": "Initial property purchase price in USD", "example": 400000 }, "currentMarketValue": { "type": "number", "description": "Current appraised market value in USD", "example": 1250000 }, "accumulatedDepreciation": { "type": "number", "description": "Total tax depreciation claimed to date in USD", "example": 180000 }, "federalCapitalGainsRate": { "type": "number", "default": 20.0, "description": "Federal LTCG rate %", "example": 20.0 }, "stateTaxRate": { "type": "number", "default": 6.0, "description": "State income / capital gains tax rate %", "example": 6.0 }, "applyNIIT": { "type": "boolean", "default": true, "description": "Apply 3.8% Net Investment Income Tax (IRC §1411)" } }, "required": ["originalPurchasePrice", "currentMarketValue", "accumulatedDepreciation"] } }, { "name": "calculate_coast_fire", "description": "Calculates the invested capital threshold required today to compound to full retirement nest egg without future contributions.", "tool_id": "coast-fire", "url_template": "https://piggybank.app/?tool=coast-fire#scenario={base64_encoded_json}", "parameters": { "type": "object", "properties": { "currentAge": { "type": "integer", "example": 32 }, "retirementAge": { "type": "integer", "example": 60 }, "currentInvestedAssets": { "type": "number", "example": 180000 }, "annualRetirementExpenses": { "type": "number", "example": 75000 }, "expectedRealReturn": { "type": "number", "default": 6.5, "description": "Inflation-adjusted annual growth %", "example": 6.5 }, "safeWithdrawalRate": { "type": "number", "default": 4.0, "description": "Target SWR %", "example": 4.0 } }, "required": ["currentAge", "retirementAge", "currentInvestedAssets", "annualRetirementExpenses"] } }, { "name": "calculate_black_scholes_option_price", "description": "Calculates European call/put option valuations and Greeks (Delta, Gamma, Vega, Theta, Rho) using the Black-Scholes-Merton model.", "tool_id": "black-scholes", "url_template": "https://piggybank.app/?tool=black-scholes#scenario={base64_encoded_json}", "parameters": { "type": "object", "properties": { "spotPrice": { "type": "number", "description": "Current asset spot price in USD", "example": 150 }, "strikePrice": { "type": "number", "description": "Option strike price in USD", "example": 155 }, "daysToExpiration": { "type": "integer", "description": "Calendar days until expiration (DTE)", "example": 45 }, "impliedVolatility": { "type": "number", "description": "Annualized IV percentage", "example": 28.5 }, "riskFreeRate": { "type": "number", "default": 4.5, "description": "Annualized risk-free rate %", "example": 4.5 } }, "required": ["spotPrice", "strikePrice", "daysToExpiration", "impliedVolatility"] } } ] }