Changelog

What's changed in the API — new endpoints, platform changes, and engine versions. Changes are additive within /v1; numeric output only moves on an engine_version bump (see versioning).

2026-06 · Self-serve free keys, MCP bridge, and hardening

• Free, self-serve API keys — POST /v1/signup (public, gated by a Cloudflare Turnstile challenge) mints a free key that expires in 30 days. Get a free key — no card, no waiting.
• Free tier — free keys are rate- and quota-limited (15 req/min, 250 req/day) with Monte Carlo capped at 2,000 simulations per call; full keys are unaffected.
• Open-source MCP bridge — @numeratica/mcp, a zero-dependency npx package, connects any stdio MCP client to the hosted /mcp endpoint. See the MCP guide.
• Browser "try it" — scoped CORS lets the API Reference's request client call the live API from your browser (an origin allowlist, never *).
• Security hardening — Cloud SQL TLS, deletion protection + point-in-time recovery, least-privilege service accounts, nosniff, and a central client-error sanitizer. No API change.

2026-06 · Live, with persistence, limits, and tracing

• New endpoint — POST /v1/tax/social-security-benefits: §86 Social Security benefit taxation, including the "tax torpedo" effective-rate effect.
• Rate limiting — each API key now has a per-minute budget; over-budget requests return 429 with a Retry-After header. See rate limits.
• Persistence & key management — keys and usage are Postgres-backed; keys can be minted and revoked, and a new key works on its first request.
• Request tracing — operational tracing to Cloud Trace (no API change).
• Hosted — the API is live at api.numeratica.com over HTTPS.

2026-06 · Equity compensation & tax-alpha

• Equity comp — ISO and RSU, NSO exercise, ESPP disposition, the §83(b) election comparison, ISO AMT-capacity (crossover), and an ISO exercise schedule.
• Tax-aware planning — gain-harvesting, tax-loss-harvesting benefit, and asset-location endpoints.

2026-06 · MCP & the engine baseline

• MCP — a hosted Model Context Protocol endpoint (Streamable-HTTP) at /mcp, with tools generated from the API request schemas, so AI agents can call the calculators directly (same key auth).
• Engine baseline — all engines pinned to a clean 1.0.0 baseline.
• Tax-engine fidelity — credits, AMT, §199A QBI, and deduction phase-outs.

2026-06 and earlier · v1 calculators

• The core suite — retirement Monte Carlo, time-value-of-money, RMD, Social Security, Roth conversion, IRMAA, tax-aware withdrawal sequencing and strategy, debt-vs-invest, state income tax, healthcare costs, annuity, longevity, and more (40 endpoints today).
• Determinism from day one — every result carries an engine_version and a deterministic result_id; the OpenAPI spec is the contract.

Engine versions

Every engine pins its own engine_version — all are 1.0.0 today (no engine's output has changed since launch). When an engine's math changes, its version bumps and the result_id for the same inputs changes with it, so engine changes are detectable, never silent.

Stay informed

Questions, integration help, or want to be notified of changes? Email support@numeratica.com. A subscribe option and a formal deprecation-notice policy are on the way.