{
  "tool_id": "art-688-education-funding-gap-calculator",
  "kernel_id": "art-688-education-funding-gap-calculator",
  "display_name": "Education Funding Gap Calculator",
  "tool_version": "1.0.0",
  "mandate_type": "compliance_control",
  "purpose": "Computes the arithmetic of a declared education funding plan: the future value of a declared current balance grown at a declared annual return over a declared horizon, and the funding gap against a declared goal, returning GAP_COMPUTED or GOAL_MET with a full trace. Every input is a caller-declared synthetic value; no account, plan record, market feed, or clock is read. The overfunded-to-Roth rollover note on the GOAL_MET path echoes a caller-declared lifetime rollover cap; the statutory reference for that cap is the SECURE 2.0 Act of 2022, Division T, Section 126 (Public Law 117-328, enacted 2022-12-29), which added the 529-to-Roth IRA rollover with a 35000 USD lifetime limit per beneficiary beginning 2024 (subject to a 15-year account-age rule and annual Roth contribution limits); measured 2026-09-05; derive: read Public Law 117-328, Division T, sec. 126. The kernel never recommends a contribution amount, a plan, or a rollover; it is arithmetic over declarations, not advice. The contribution solver is out of scope for v1.",
  "control_description": "Computes the arithmetic of a declared education funding plan: the future value of a declared current balance grown at a declared annual return over a declared horizon, and the funding gap against a declared goal, returning GAP_COMPUTED or GOAL_MET with a full trace. Every input is a caller-declared synthetic value; no account, plan record, market feed, or clock is read. The overfunded-to-Roth rollover note on the GOAL_MET path echoes a caller-declared lifetime rollover cap; the statutory reference for that cap is the SECURE 2.0 Act of 2022, Division T, Section 126 (Public Law 117-328, enacted 2022-12-29), which added the 529-to-Roth IRA rollover with a 35000 USD lifetime limit per beneficiary beginning 2024 (subject to a 15-year account-age rule and annual Roth contribution limits); measured 2026-09-05; derive: read Public Law 117-328, Division T, sec. 126. The kernel never recommends a contribution amount, a plan, or a rollover; it is arithmetic over declarations, not advice. The contribution solver is out of scope for v1.",
  "declared_inputs": [],
  "declared_outputs": [],
  "kernel_digest": "sha256:fc261c3ad8218c3aa80c320728eb8f30767cd816fe91519ce9b0283d28fb6415",
  "trust_label": "independently verified: zkVM execution proof (risc0/groth16-bn254)",
  "data_vintage": "2026-09-06",
  "last_validated": "2026-09-06",
  "conformance_fixtures_vendored": true,
  "compute_proof_ready": "ready",
  "wave": 116,
  "source_url": "https://ainumbers.co/tools/688-education-funding-gap-calculator.html",
  "generated_at": "2026-09-08T13:14:07.578Z"
}