Documentation

Trivexano API

Integrate HSA triple-tax optimization directly into your application, benefits platform, or advisor tooling with our REST API.

Quickstart

Run your first optimization request in under 5 minutes.

Authentication

API key creation, header format, and rate limits.

Response Shape

Free-tier summary vs. full paid-tier optimization payload.

Data Sources

IRS, CMS, SSA, and BLS data behind every calculation.

Quickstart

Get an API key from your dashboard, then POST your profile to /v1/optimize.

curl https://trivexano-api.smarttechinvest.com/v1/optimize \
    -X POST \
    -H "X-API-Key: your_api_key_here" \
    -H "Content-Type: application/json" \
    -d '{
    "age": 34,
    "annual_income": 95000,
    "coverage_type": "family",
    "filing_status": "mfj",
    "state": "TX",
    "current_hsa_balance": 8200,
    "hdhp_premium_monthly": 420,
    "ppo_premium_monthly": 780,
    "employer_hsa_contribution": 1000,
    "employer_401k_match_pct": 4,
    "current_401k_contribution": 8000,
    "health_profile": "family_with_children",
    "expected_retirement_age": 62
    }'

Authentication

Every request requires an X-API-Key header. Free-tier keys are rate-limited to 1 request per day per key; paid tiers (api_starter and api_pro) raise that to 100–500 credits per month.

Response Shape

Free-tier responses include the triple-tax summary and an HDHP-vs-PPO snapshot. Paid-tier responses add contribution ordering, investment allocation, and the Medicare transition plan.

{
    "triple_tax_summary": { "annual_tax_savings": { "total": 2238 }, "lifetime_advantage_vs_taxable": { "10_year": 41200 } },
    "hdhp_vs_ppo": { "annual_savings": 3100, "break_even_oop_spending": 7420 },
    "upgrade_prompt": "Unlock investment allocation, Medicare transition, and lifetime projection for $9",
    "tier": "free"
    }

Endpoints

POST/v1/optimizeFull HSA optimization: triple-tax NPV, contribution strategy, investment allocation, Medicare transition

POST/v1/plan-compareHDHP vs. PPO break-even and multi-year NPV comparison

POST/v1/contributionOptimal contribution amount and HSA-vs-401(k) ordering

GET/v1/creditsCurrent credit balance and usage for your API key