Insight spending guardrails illustrative floor

Required spending floor the guardrail preview uses: the plan's requiredAnnual when set, otherwise 80% of base spending generated by probabilityBandSpendingGuardrailGenerator.

Field: Illustrative guardrail spending floor Unit: US dollars Basis: nominal dollars Computed by: Engine Status: Complete chain

Appears in: insights (spending-guardrails card rationale "with a $X required floor")

Calculation records

• Illustrative (or explicit) required spending floor for a guardrail preview Model record, justified by derivation

  Purpose: The required annual floor the spending-guardrails card previews: the plan's own requiredAnnual when set, otherwise 80% of base spending.

  Statement: For a plan that depletes or whose first-year investable balance is strictly greater than $100,000, and that does not already run a guardrail policy: requiredAnnual = the plan's explicit requiredAnnual when that field is a finite number, otherwise 80% of baseAnnual (the probability-band generator's default floor, then min'd with baseAnnual). Units: nominal dollars per year. Rounding: the generator rounds the 80% fallback with Math.round.

  Formula: floor = min(requiredAnnual ?? round(0.80 × baseAnnual), baseAnnual)

  • baseAnnual: Plan baseline annual spending (unit: usd/year) (domain: > 0)
  • requiredAnnual: Plan-supplied essential floor, when present (unit: usd/year) (domain: finite, or absent)

  Timing: illustration at the first projection year

  Rounding: Math.round on the 80% fallback; an explicit floor is used as supplied; the card publishes whole-dollar strings (formatWholeUsd, Math.round) and the evidence asserts the published figure

  Limits:

  • A guardrail preview, not a claim that 80% is an objectively required household budget
  • The generator also min's the floor with baseAnnual, so an explicit floor above base spending is capped; the worksheet's explicit case is below base and does not hit that cap
  • The screen alternatives are joined by OR: depletion is sufficient at any balance; a non-depleting plan at exactly $100,000 does not screen because the investable comparison is strict

  Provenance: derived by codex, implemented by grok.

  Independent review: cursor

  Gates (6 of 6 pass): fixture registers a test: pass; pins resolve: pass; families exist: pass; worksheet exists: pass; mutation receipt exists: pass; provenance independent: pass

  Worksheet: insight-spending-guardrails-illustrative-floor.md Mutation receipt: insight-spending-guardrails-illustrative-floor.mutation.md

  Evidence tests: spendingGuardrails.evidence.test.ts

  Implemented in: spendingGuardrails.ts

  Is the number of: insight-spending-guardrails-illustrative-floor

Engine source: engine/src/insights/detectors/spendingGuardrails.ts (spendingGuardrails.screen (requiredAnnual from guardrailPatchFromGenerator))