{
  "schemaVersion": 1,
  "reviewedAt": "2026-08-29",
  "formulas": [
    {
      "id": "balance-transfer-break-even-v1",
      "name": {
        "en": "Balance-transfer break-even",
        "es": "Punto de equilibrio de transferencia",
        "ja": "残高移行の損益分岐"
      },
      "expression": "net savings = interest avoided on old balance − transfer fee − new interest − other offer costs",
      "units": "currency",
      "sourceIds": [
        "cfpb-balance-transfer-fee",
        "cfpb-credit-card-basics"
      ],
      "status": "active"
    },
    {
      "id": "amortization-payment-v1",
      "name": {
        "en": "Amortizing payment",
        "es": "Pago amortizado",
        "ja": "元利均等返済額"
      },
      "expression": "payment = periodicRate × principal ÷ (1 − (1 + periodicRate)^−periods)",
      "units": "currency per payment period",
      "sourceIds": [
        "cfpb-your-money-your-goals"
      ],
      "status": "active"
    },
    {
      "id": "compound-growth-v1",
      "name": {
        "en": "Compound growth scenario",
        "es": "Escenario de crecimiento compuesto",
        "ja": "複利成長シナリオ"
      },
      "expression": "future value = compounded starting balance + compounded contribution stream",
      "units": "currency",
      "sourceIds": [
        "sec-asset-allocation"
      ],
      "status": "active"
    },
    {
      "id": "debt-priority-v1",
      "name": {
        "en": "Debt priority sequence",
        "es": "Secuencia de prioridad de deuda",
        "ja": "負債優先順位"
      },
      "expression": "protect required minimums and liquidity, then rank the target by APR, deadline, or explicit risk rule",
      "units": "ordered accounts",
      "sourceIds": [
        "cfpb-your-money-your-goals",
        "cfpb-credit-score"
      ],
      "status": "active"
    },
    {
      "id": "debt-consolidation-break-even-v1",
      "name": {
        "en": "Debt-consolidation break-even",
        "es": "Punto de equilibrio de consolidación",
        "ja": "債務一本化の損益分岐"
      },
      "expression": "net consolidation savings = old remaining cost − new interest − fees − collateral and term costs",
      "units": "currency",
      "sourceIds": [
        "cfpb-debt-consolidation",
        "ftc-get-out-of-debt"
      ],
      "status": "active"
    },
    {
      "id": "emergency-runway-v1",
      "name": {
        "en": "Emergency runway",
        "es": "Margen de emergencia",
        "ja": "緊急資金ランウェイ"
      },
      "expression": "runway months = liquid reserves ÷ essential monthly outflow",
      "units": "months",
      "sourceIds": [
        "fdic-saving-unexpected",
        "cfpb-your-money-your-goals"
      ],
      "status": "active"
    },
    {
      "id": "income-concentration-v1",
      "name": {
        "en": "Largest-source income concentration",
        "es": "Concentración de la mayor fuente de ingreso",
        "ja": "最大収入源の集中度"
      },
      "expression": "concentration = largest source income ÷ total income",
      "units": "ratio or percent",
      "sourceIds": [
        "sba-manage-finances"
      ],
      "status": "active"
    },
    {
      "id": "minimum-payment-progress-v1",
      "name": {
        "en": "Minimum-payment principal progress",
        "es": "Progreso de capital con pago mínimo",
        "ja": "最低支払額による元本減少"
      },
      "expression": "principal reduction = payment − interest − fees − new charges",
      "units": "currency per statement period",
      "sourceIds": [
        "cfpb-minimum-payment-three-year",
        "cfpb-credit-card-basics"
      ],
      "status": "active"
    },
    {
      "id": "personal-inflation-v1",
      "name": {
        "en": "Personal spending inflation",
        "es": "Inflación del gasto personal",
        "ja": "個人支出インフレ率"
      },
      "expression": "personal inflation = weighted sum of category price relatives − 1",
      "units": "percent",
      "sourceIds": [
        "bls-cpi-overview",
        "bea-pce-price-index"
      ],
      "status": "active"
    },
    {
      "id": "real-return-v1",
      "name": {
        "en": "Real return",
        "es": "Rendimiento real",
        "ja": "実質収益率"
      },
      "expression": "real return = (1 + nominal return) ÷ (1 + inflation rate) − 1",
      "units": "percent",
      "sourceIds": [
        "bls-cpi",
        "sec-asset-allocation"
      ],
      "status": "active"
    },
    {
      "id": "reserve-gap-v1",
      "name": {
        "en": "Emergency-reserve gap",
        "es": "Brecha de reserva de emergencia",
        "ja": "緊急予備資金の不足額"
      },
      "expression": "reserve gap = max(0, reserve floor − liquid reserve)",
      "units": "currency",
      "sourceIds": [
        "fdic-saving-unexpected",
        "cfpb-your-money-your-goals"
      ],
      "status": "active"
    },
    {
      "id": "reversibility-score-v1",
      "name": {
        "en": "Reversibility score",
        "es": "Puntuación de reversibilidad",
        "ja": "可逆性スコア"
      },
      "expression": "score = sum of contract, exit-cost, debt, liquidity, location, and concentration factors",
      "units": "0–12 points",
      "sourceIds": [
        "cfpb-your-money-your-goals",
        "sba-plan-business"
      ],
      "status": "active"
    }
  ]
}