AI Recommendations

POST /api/ai/recommendations

const response = await fetch('http://localhost:3001/api/ai/recommendations', {
  method: 'POST',
  headers: { 'Content-Type': 'application/json' },
  body: JSON.stringify({
    simulationResults: {
      successProbability: 0.42,
      medianOutcome: 38000,
      percentiles: {
        p10: 22000,
        p25: 30000,
        p50: 38000,
        p75: 46000,
        p90: 54000
      },
      mean: 38500,
      worstCase: 15000,
      bestCase: 65000
    },
    financialProfile: {
      monthlyIncome: 5000,
      monthlySpending: 4200,
      liquidAssets: 8000,
      creditDebt: 3500,
      loanDebt: 0,
      monthlyLoanPayments: 0,
      spendingByCategory: {
        'Food & Dining': 800,
        'Shopping': 600,
        'Entertainment': 400,
        'Transportation': 500,
        'Bills': 1200,
        'Other': 700
      },
      spendingVolatility: 0.18
    },
    goal: {
      targetAmount: 50000,
      timelineMonths: 48,
      goalType: 'house'
    }
  })
})

const { recommendations } = await response.json()

{
  "recommendations": [
    "Your success probability is currently 42%, which is below the ideal 70%+ range. Consider extending your timeline or adjusting your target.",
    "Pay off your $3,500 credit card debt first. This will free up ~$105/month in interest charges and improve your monthly cash flow.",
    "Reduce discretionary spending by 15% ($450/month). Focus on categories like Shopping ($600) and Entertainment ($400) where you have flexibility.",
    "Build an emergency fund of $12,600 (3 months of expenses) before aggressively saving for your house goal. This prevents setbacks from derailing your progress.",
    "Your spending volatility is 18%, which is slightly above average. Try to stabilize monthly expenses by reducing impulse purchases.",
    "Consider a side income source. An extra $300/month would increase your success probability to ~62%."
  ]
}