{"openapi":"3.1.0","info":{"title":"EmergencyFund API","version":"0.1.0","description":"An emergency-fund sizing calculator: a risk-adjusted target-months recommendation, a savings-timeline projector with optional interest compounding, an essential-expenses checklist, and a glossary — all local, self-contained.\n\nEvery operation is read-only or compute-only. The same tools are available over MCP (streamable HTTP) at https://emergencyfund.connectorbay.com/mcp.","contact":{"name":"Unify Dynamics LLC","email":"hr@unifydynamics.com","url":"https://connectorbay.com/emergencyfund/docs"},"termsOfService":"https://connectorbay.com/emergencyfund/terms"},"servers":[{"url":"https://emergencyfund.connectorbay.com"}],"externalDocs":{"url":"https://connectorbay.com/emergencyfund/docs"},"security":[{},{"bearer":[]}],"components":{"securitySchemes":{"bearer":{"type":"http","scheme":"bearer","description":"Optional. A Pro API key raises rate limits; no credentials are required."}},"schemas":{"Error":{"type":"object","properties":{"ok":{"const":false},"error":{"type":"object"}}}}},"paths":{"/v1/tools/emergency_fund_target":{"post":{"operationId":"emergency_fund_target","summary":"A risk-adjusted recommended number of months of essential expenses to keep in an emergency fund, with","description":"A risk-adjusted recommended number of months of essential expenses to keep in an emergency fund, with\n    every point of the score itemized, clamped to the commonly cited 3-12 month range. Use for \"how many\n    months should I save with $4,000 essential expenses, single income, two kids\".","tags":["tools"],"requestBody":{"required":true,"content":{"application/json":{"schema":{"properties":{"monthly_essential_expenses":{"description":"Bare-minimum monthly costs — see essential_expenses_checklist.","exclusiveMinimum":0,"title":"Monthly Essential Expenses","type":"number"},"income_earners":{"default":"dual","description":"single | dual","title":"Income Earners","type":"string"},"job_stability":{"default":"stable","description":"stable | moderate | unstable","title":"Job Stability","type":"string"},"dependents":{"default":0,"description":"Number of people relying on this income.","minimum":0,"title":"Dependents","type":"integer"},"variable_income":{"default":false,"description":"True if income is commission, freelance, seasonal, or otherwise irregular.","title":"Variable Income","type":"boolean"}},"required":["monthly_essential_expenses"],"title":"emergency_fund_targetArguments","type":"object"}}}},"responses":{"200":{"description":"Tool result. `ok: true` on success; `ok: false` with a structured `error` (provider_unavailable, upstream_error, bad_input) when the tool could not answer.","content":{"application/json":{"schema":{"type":"object","additionalProperties":true}}}},"422":{"description":"Arguments failed validation","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}},"429":{"description":"Rate limit exceeded (see Retry-After)","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}}},"x-read-only":true}},"/v1/tools/savings_timeline_projector":{"post":{"operationId":"savings_timeline_projector","summary":"Real months-to-target given current savings, a monthly contribution, and an optional interest rate,","description":"Real months-to-target given current savings, a monthly contribution, and an optional interest rate,\n    with monthly compounding (not a rough division). Use for \"how long to save $18,000 with $3,000 saved and\n    $500/month at 4% interest\".","tags":["tools"],"requestBody":{"required":true,"content":{"application/json":{"schema":{"properties":{"target_amount":{"description":"The emergency-fund target dollar amount (e.g. from emergency_fund_target's target_fund_size).","exclusiveMinimum":0,"title":"Target Amount","type":"number"},"current_savings":{"default":0.0,"minimum":0,"title":"Current Savings","type":"number"},"monthly_contribution":{"default":0.0,"minimum":0,"title":"Monthly Contribution","type":"number"},"annual_interest_rate_pct":{"default":0.0,"description":"Expected annual interest rate, % (e.g. a high-yield savings account).","minimum":0,"title":"Annual Interest Rate Pct","type":"number"}},"required":["target_amount"],"title":"savings_timeline_projectorArguments","type":"object"}}}},"responses":{"200":{"description":"Tool result. `ok: true` on success; `ok: false` with a structured `error` (provider_unavailable, upstream_error, bad_input) when the tool could not answer.","content":{"application/json":{"schema":{"type":"object","additionalProperties":true}}}},"422":{"description":"Arguments failed validation","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}},"429":{"description":"Rate limit exceeded (see Retry-After)","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}}},"x-read-only":true}},"/v1/tools/essential_expenses_checklist":{"post":{"operationId":"essential_expenses_checklist","summary":"What should (and should not) count as an \"essential expense\" when sizing an emergency fund. Use for","description":"What should (and should not) count as an \"essential expense\" when sizing an emergency fund. Use for\n    \"what counts as an essential expense\".","tags":["tools"],"requestBody":{"required":true,"content":{"application/json":{"schema":{"properties":{},"title":"essential_expenses_checklistArguments","type":"object"}}}},"responses":{"200":{"description":"Tool result. `ok: true` on success; `ok: false` with a structured `error` (provider_unavailable, upstream_error, bad_input) when the tool could not answer.","content":{"application/json":{"schema":{"type":"object","additionalProperties":true}}}},"422":{"description":"Arguments failed validation","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}},"429":{"description":"Rate limit exceeded (see Retry-After)","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}}},"x-read-only":true}},"/v1/tools/emergencyfund_glossary":{"post":{"operationId":"emergencyfund_glossary","summary":"Definitions of common emergency-fund terms (essential expenses, HYSA, liquidity, income stability,","description":"Definitions of common emergency-fund terms (essential expenses, HYSA, liquidity, income stability,\n    sinking fund vs. emergency fund, ...). Use for \"what's a HYSA\", \"what's liquidity\".","tags":["tools"],"requestBody":{"required":true,"content":{"application/json":{"schema":{"properties":{"term":{"anyOf":[{"type":"string"},{"type":"null"}],"default":null,"description":"A specific term to look up; omit to list all.","title":"Term"}},"title":"emergencyfund_glossaryArguments","type":"object"}}}},"responses":{"200":{"description":"Tool result. `ok: true` on success; `ok: false` with a structured `error` (provider_unavailable, upstream_error, bad_input) when the tool could not answer.","content":{"application/json":{"schema":{"type":"object","additionalProperties":true}}}},"422":{"description":"Arguments failed validation","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}},"429":{"description":"Rate limit exceeded (see Retry-After)","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}}},"x-read-only":true}}}}