{"id":"finance-score","summary":"Freelance finance readiness score out of 100 across six weighted areas, with each gap priced in dollars a year.","method":"POST","inputSchema":{"type":"object","properties":{"netProfit":{"type":"number","description":"Schedule C net profit for the year"},"otherIncome":{"type":"number","description":"Other taxable income stacked underneath"},"age":{"type":"number","description":"Age at year end; sets the retirement catch-up tier"},"entity":{"type":"string","enum":["sole","llc","scorp"],"description":"Business structure (default sole)"},"quarterlies":{"type":"string","enum":["none","some","all"],"description":"Estimated-tax installments paid on time (default none)"},"retirementContributed":{"type":"number","description":"Dollars already contributed to a solo 401(k) or SEP-IRA"},"expenseTracking":{"type":"string","enum":["none","manual","software"],"description":"How expenses are tracked (default none)"},"homeOfficeSqft":{"type":"number","description":"Square feet used regularly and exclusively for business"},"homeOfficeClaimed":{"type":"boolean","description":"Whether that home office is deducted"},"businessMiles":{"type":"number","description":"Business miles driven this year"},"mileageLogged":{"type":"boolean","description":"Whether those miles are logged"},"topClientPct":{"type":"number","description":"Share of billing from the largest client, percent"},"monthlyExpenses":{"type":"number","description":"Personal plus business spending per month"},"cashReserve":{"type":"number","description":"Cash reserve held outside the business"}},"required":["netProfit"]},"exampleInput":{"netProfit":90000,"entity":"sole","quarterlies":"some","retirementContributed":0,"expenseTracking":"manual","homeOfficeSqft":120,"homeOfficeClaimed":false,"businessMiles":2500,"mileageLogged":false,"topClientPct":45,"monthlyExpenses":4500,"cashReserve":9000},"exampleOutput":{"score":32,"band":"atRisk","domains":[{"id":"structure","score":28,"weight":0.2},{"id":"payments","score":50,"weight":0.2},{"id":"deductions","score":20,"weight":0.15},{"id":"retirement","score":0,"weight":0.15},{"id":"buffer","score":33,"weight":0.15},{"id":"concentration","score":56,"weight":0.15}],"gaps":[{"id":"retirement","kind":"saving","amount":8850.234910000001,"toolSlug":"solo-401k-sep-ira-calculator"},{"id":"scorp","kind":"saving","amount":2454.595000000001,"toolSlug":"s-corp-vs-sole-proprietor"},{"id":"penalty","kind":"saving","amount":714.6494673595892,"toolSlug":"estimated-tax-penalty-calculator"},{"id":"mileage","kind":"saving","amount":605.06774125,"toolSlug":"mileage-deduction-calculator"},{"id":"homeOffice","kind":"saving","amount":207.451797,"toolSlug":"home-office-deduction-calculator"}],"risks":[{"id":"concentration","kind":"exposure","amount":40500,"toolSlug":"freelance-income-tracker"},{"id":"buffer","kind":"target","amount":18000,"toolSlug":"freelance-runway-calculator"}],"federalTax":22731.76955,"marginalRate":0.22,"deductionValue":0.345752995,"bufferMonths":2,"taxYear":2025,"assumptions":{"scorpSalaryShare":0.6,"retirementBenchmarkShare":0.15,"bufferTargetMonths":6,"filingStatus":"single, federal only"},"note":"Gap ids and domain ids map to the labels on the page; see pagePath for the rendered wording."}}