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A calculator gathers the relevant inputs: for example rank, years of service, duty location, dependency status, income, home price, down payment, debt, and expenses. Normalization code converts these into the fields a module expects. The BAH tool requests the military calculation service; the mortgage page requests the mortgage service. Some published pages also calculate in the browser. Amy is a separate conversational step.

Supported active-duty compensation is built from basic pay + BAH + BAS. Basic pay uses rank and creditable service; BAH uses supported location, pay grade, and dependency inputs; BAS uses the supported officer or enlisted category. The reviewed modules store 2026 tables. They are versioned datasets, not a guarantee of a fresh government lookup on every request. Additional income, retirement, or VA amounts depend on the selected scenario. Compare modeled gross income with actual take-home pay before budgeting.

The regular active-duty retirement module supports High-3 and BRS. Monthly pension = high-36 average monthly basic pay × credited years × 2.5% for High-3, or × 2.0% for BRS. An entered 36-month basic-pay history can supply the average; without it, the current basic-pay proxy is an estimate. BAH and BAS are excluded from that pension base. This module does not cover every reserve, disability, or legacy retirement case. VA compensation uses rating and supported dependent categories; home-loan calculations use separate funding-fee and residual-income rules. These estimates do not determine an award, entitlement, or lender approval.

The public Amy gateway assembles a structured Truth Packet containing available profile context, compensation, housing inputs, mortgage estimates, affordability, rule-based verdicts, VA information, base information, next actions, and missing inputs. It may reuse results supplied by a calculator or call calculation modules when needed. Amy receives this context with instructions to explain the numbers and avoid inventing or recalculating them. The name Truth Packet describes a data bundle, not independent verification of every user input or a guarantee that AI prose cannot be wrong.

Unlisted ranges have no adjustment. Missing inputs can produce counterintuitive results; always read a grade alongside its missing-input warnings.

Original scoring explanation

The shared engine starts at 100. Missing/nonpositive income subtracts 45; missing/nonpositive housing subtracts 15. Housing ratio: over 40% subtract 28; otherwise over 35% subtract 18; otherwise over 30% subtract 10; above 0% through 28% add 3. Debt ratio: over 20% subtract 18; otherwise over 12% subtract 10; 8% or less adds 3. Total-load ratio: over 90% subtract 30; otherwise over 80% subtract 20; otherwise over 70% subtract 10; above 0% through 65% adds 4. Remaining-income ratio: negative subtract 35; otherwise below 8% subtract 15; 20% or more adds 5. Savings/home price: at least 10% adds 4; above zero but below 3% subtracts 6. A positive credit score below 620 subtracts 16; 700 or more adds 3. Unlisted ranges have no adjustment. The result is rounded and clamped to 0–100. These rules can produce counterintuitive results with incomplete inputs, so a grade must be read with its missing-input warnings.

Shared-engine grade ranges

Shared-engine minimum scores are A+ 97, A 93, A− 90, B+ 87, B 83, B− 80, C+ 77, C 73, C− 70, D+ 67, D 63, D− 60; below 60 is F. The older published Financial Dashboard contains separate browser scoring routines, including a 30% housing / 20% debt / 15% expenses / 20% savings / 15% credit model, and calls a separate PCSUnited scoring service. It is not the same model as the shared engine. Newer home-buying analysis code uses housing, debt-to-income, cash flow, reserves, and closing readiness, but its presence in the repository alone does not establish that a particular published page uses it. No single score formula currently describes every page.

Missing or unsupported inputs can produce warnings, missing-input lists, unavailable fields, or a partial explanation. Some optional modules are allowed to fail while other results continue; other errors can stop the request. The published mortgage page includes a local calculation fallback with different rate assumptions. If the AI service is unavailable, the Amy gateway can return a deterministic summary. A fallback is not proof that every result is complete: check the displayed assumptions and inputs, and avoid treating an absent cost as a confirmed zero.

A planning indicator is not a probability of default, credit score, or lending decision.

A score or buy/wait label is a rule-based planning indicator. It is not a calibrated probability of default, a prediction of future behavior, an official credit score, or a lending decision. The monthly housing estimate excludes costs such as maintenance, utilities, moving costs, and closing cash unless a separate tool or entered expense includes them. Rates, insurance, taxes, and HOA costs need property-specific confirmation. A suggested buyer range on the published mortgage page is a heuristic around the selected price, not a fully solved maximum affordable purchase price.

Reviewed October 6, 2026 against the current TheWing.ai repository, published Webflow calculator scripts, and responding calculation-service endpoints. The public military service reports pay 2026.1 and BAH, retirement, and VA 2026.2 datasets; those labels identify the bundled data, not universal coverage or automatic currency. PCS estimate modules also exist for mileage, travel days, DLA, household goods, and per diem; a payable entitlement depends on orders, eligibility, supported inputs, and current rules. Educational references and official-source links do not imply government, military, or university endorsement.