{
  "modelVersion": "1.0.0",
  "reference": "Python decimal, 70-digit monthly recurrence",
  "cases": [
    {
      "name": "default",
      "inputs": {
        "age": 32,
        "retirementAge": 65,
        "savings": 80000,
        "monthly": 1500,
        "spending": 4000,
        "annualReturn": 7,
        "inflation": 3,
        "withdrawal": 4
      },
      "expected": {
        "target": "1200000.00000000",
        "coast": "341306.84456658",
        "coastMonth": 255,
        "balance": "1468003.85610737",
        "noDeposits": "281271.82776515",
        "requiredMonthly": "1161.24973915"
      }
    },
    {
      "name": "no-additional-deposits",
      "inputs": {
        "age": 32,
        "retirementAge": 65,
        "savings": 80000,
        "monthly": 0,
        "spending": 4000,
        "annualReturn": 7,
        "inflation": 3,
        "withdrawal": 4
      },
      "expected": {
        "target": "1200000.00000000",
        "coast": "341306.84456658",
        "coastMonth": null,
        "balance": "281271.82776515",
        "noDeposits": "281271.82776515",
        "requiredMonthly": "1161.24973915"
      }
    },
    {
      "name": "zero-real-growth",
      "inputs": {
        "age": 32,
        "retirementAge": 65,
        "savings": 80000,
        "monthly": 1500,
        "spending": 4000,
        "annualReturn": 3,
        "inflation": 3,
        "withdrawal": 4
      },
      "expected": {
        "target": "1200000.00000000",
        "coast": "1200000.00000000",
        "coastMonth": null,
        "balance": "674000.00000000",
        "noDeposits": "80000.00000000",
        "requiredMonthly": "2828.28282828"
      }
    },
    {
      "name": "negative-real-growth",
      "inputs": {
        "age": 32,
        "retirementAge": 65,
        "savings": 80000,
        "monthly": 1500,
        "spending": 4000,
        "annualReturn": 2,
        "inflation": 3,
        "withdrawal": 4
      },
      "expected": {
        "target": "1200000.00000000",
        "coast": "1655785.18772390",
        "coastMonth": null,
        "balance": "566051.01521673",
        "noDeposits": "57978.53532677",
        "requiredMonthly": "3371.62957022"
      }
    },
    {
      "name": "zero-spending-target",
      "inputs": {
        "age": 32,
        "retirementAge": 65,
        "savings": 80000,
        "monthly": 1500,
        "spending": 0,
        "annualReturn": 7,
        "inflation": 3,
        "withdrawal": 4
      },
      "expected": {
        "target": "0E-8",
        "coast": "0E-8",
        "coastMonth": 0,
        "balance": "1468003.85610737",
        "noDeposits": "281271.82776515",
        "requiredMonthly": "0E-8"
      }
    }
  ],
  "accumulationBenchmark": {
    "principal": 80000,
    "years": 33,
    "annualRatePercent": 7,
    "monthlyDeposit": 0,
    "effectiveAnnualNominal": "746027.18",
    "nominalAprMonthly": "800562.99"
  }
}