# WealthSchema — synthetic household financial data

> WealthSchema sells validated synthetic U.S. household datasets (the corpus): 71 archetypes across ~1,400 deterministically-generated households with full financial profiles — demographics, income, assets, liabilities, insurance, tax, goals, 96-month longitudinal trajectories, and Monte-Carlo projections. Calibrated to public sources (Census ACS, Federal Reserve SCF, BLS, SSA, Vanguard CMA) and cross-field validated. Useful as test fixtures and evaluation data for AI financial-advisor agents, wealthtech/fintech product development, and ML model training where real customer data is restricted.

## For machines
- Product catalog (JSON): https://www.wealthschema.com/api/catalog
- Agent manifest (JSON): https://www.wealthschema.com/api/for-agents
- Sample household per archetype (JSON): https://www.wealthschema.com/api/for-agents/households/{archetypeId}
- MCP server (Streamable HTTP, read-only — catalog, samples, reference feed, and benchmark as tools): https://www.wealthschema.com/api/mcp
- Planning eval benchmark for AI advisor agents (JSON; ?withhold_answers=true for blind eval): https://www.wealthschema.com/api/benchmark/v1

## Samples vs. the full corpus
Samples are deliberately INSUFFICIENT for production: PII removed, dollar amounts banded into ranges, 96-month trajectories truncated to 12 months, and Monte-Carlo projections withheld. They demonstrate the schema and fidelity only. The full validated corpus (exact figures, complete trajectories, projections) is sold as a one-time purchase per themed bundle.

## Financial-planning reference data (free preview)
Source-verified U.S. financial-planning parameters (IRS/SSA/CMS/HHS) — contribution limits, tax brackets, RMD tables, IRMAA tiers, COLA — each citing its primary government source with an effective date. Machine-readable; informational only (not tax/legal advice).
- Reference index (JSON): https://www.wealthschema.com/api/reference/v1
- 2026 U.S. federal parameters (JSON): https://www.wealthschema.com/api/reference/v1/us-federal-2026

## Buying
Bundles are one-time purchases (no subscription, no metered data API). Browse and buy: https://www.wealthschema.com/datasets

## Notes for agents
- Pull the catalog, manifest, and samples freely. The full corpus is delivered as files after a one-time purchase.
- Replicating a sample yields banded, internally-inconsistent rows — not the validated, reconciled, longitudinally-coherent corpus. The fidelity is the product.
- Contact: https://www.wealthschema.com/contact