archetype_id stringclasses 8
values | archetype_name stringclasses 8
values | life_stage stringclasses 7
values | wealth_tier stringclasses 4
values | household_type stringclasses 4
values | state_of_residence stringclasses 8
values | num_members int64 1 5 | num_dependents int64 0 4 | gross_income_band stringclasses 3
values | schema_version stringclasses 1
value | sample_policy stringclasses 1
value | household_json stringclasses 8
values |
|---|---|---|---|---|---|---|---|---|---|---|---|
F-01 | New Graduate Tech Worker | formation | mass_market | single | WV | 1 | 0 | $50k–$100k | v3.0.0 | A small free sample: 8 deliberately insufficient households (one per life stage plus one high-net-worth). PII removed, dollar amounts banded, 96-month trajectory truncated to 12 months, forward projections withheld. Evaluation-only. The full corpus (1,451 households across 71 archetypes, exact figures) is a one-time pu... | {"_meta":{"schema_version":"v3.0.0","archetype_id":"F-01","archetype_name":"New Graduate Tech Worker","seed":1,"is_stress_case":true,"generation_method":"deterministic","narrative_fields_populated":false,"longitudinal_months":96,"deterministic_sections_populated":true,"reference_data_version":"v2.0.0"},"archetype_id":"... |
A-01 | Young Family — First Home | accumulation_early | mass_affluent | married_with_children | FL | 3 | 1 | $100k–$250k | v3.0.0 | A small free sample: 8 deliberately insufficient households (one per life stage plus one high-net-worth). PII removed, dollar amounts banded, 96-month trajectory truncated to 12 months, forward projections withheld. Evaluation-only. The full corpus (1,451 households across 71 archetypes, exact figures) is a one-time pu... | {"_meta":{"schema_version":"v3.0.0","archetype_id":"A-01","archetype_name":"Young Family — First Home","seed":1,"is_stress_case":true,"generation_method":"deterministic","narrative_fields_populated":false,"longitudinal_months":96,"deterministic_sections_populated":true,"reference_data_version":"v2.0.0"},"archetype_id":... |
H-01 | Affluent Investor ($1M–$3M) | accumulation_peak | affluent | married_couple | GA | 4 | 2 | $250k–$500k | v3.0.0 | A small free sample: 8 deliberately insufficient households (one per life stage plus one high-net-worth). PII removed, dollar amounts banded, 96-month trajectory truncated to 12 months, forward projections withheld. Evaluation-only. The full corpus (1,451 households across 71 archetypes, exact figures) is a one-time pu... | {"_meta":{"schema_version":"v3.0.0","archetype_id":"H-01","archetype_name":"Affluent Investor ($1M–$3M)","seed":1,"is_stress_case":true,"generation_method":"deterministic","narrative_fields_populated":false,"longitudinal_months":96,"deterministic_sections_populated":true,"reference_data_version":"v2.0.0"},"archetype_id... |
H-02 | High Net Worth ($3M–$10M) | accumulation_peak | high_net_worth | married_couple | TX | 2 | 0 | $250k–$500k | v3.0.0 | A small free sample: 8 deliberately insufficient households (one per life stage plus one high-net-worth). PII removed, dollar amounts banded, 96-month trajectory truncated to 12 months, forward projections withheld. Evaluation-only. The full corpus (1,451 households across 71 archetypes, exact figures) is a one-time pu... | {"_meta":{"schema_version":"v3.0.0","archetype_id":"H-02","archetype_name":"High Net Worth ($3M–$10M)","seed":1,"is_stress_case":true,"generation_method":"deterministic","narrative_fields_populated":false,"longitudinal_months":96,"deterministic_sections_populated":true,"reference_data_version":"v2.0.0"},"archetype_id":... |
R-01 | Corporate Pre-Retiree (5 Years Out) | pre_retirement | mass_affluent | married_couple | CA | 2 | 0 | $100k–$250k | v3.0.0 | A small free sample: 8 deliberately insufficient households (one per life stage plus one high-net-worth). PII removed, dollar amounts banded, 96-month trajectory truncated to 12 months, forward projections withheld. Evaluation-only. The full corpus (1,451 households across 71 archetypes, exact figures) is a one-time pu... | {"_meta":{"schema_version":"v3.0.0","archetype_id":"R-01","archetype_name":"Corporate Pre-Retiree (5 Years Out)","seed":1,"is_stress_case":true,"generation_method":"deterministic","narrative_fields_populated":false,"longitudinal_months":96,"deterministic_sections_populated":true,"reference_data_version":"v2.0.0"},"arch... |
RE-01 | Active Early Retiree | retirement_early | mass_affluent | married_couple | CT | 2 | 0 | $50k–$100k | v3.0.0 | A small free sample: 8 deliberately insufficient households (one per life stage plus one high-net-worth). PII removed, dollar amounts banded, 96-month trajectory truncated to 12 months, forward projections withheld. Evaluation-only. The full corpus (1,451 households across 71 archetypes, exact figures) is a one-time pu... | {"_meta":{"schema_version":"v3.0.0","archetype_id":"RE-01","archetype_name":"Active Early Retiree","seed":1,"is_stress_case":true,"generation_method":"deterministic","narrative_fields_populated":false,"longitudinal_months":96,"deterministic_sections_populated":true,"reference_data_version":"v2.0.0"},"archetype_id":"RE-... |
RL-01 | RMD-Stage Retiree | retirement_late | mass_affluent | married_or_single | VA | 2 | 0 | $50k–$100k | v3.0.0 | A small free sample: 8 deliberately insufficient households (one per life stage plus one high-net-worth). PII removed, dollar amounts banded, 96-month trajectory truncated to 12 months, forward projections withheld. Evaluation-only. The full corpus (1,451 households across 71 archetypes, exact figures) is a one-time pu... | {"_meta":{"schema_version":"v3.0.0","archetype_id":"RL-01","archetype_name":"RMD-Stage Retiree","seed":1,"is_stress_case":true,"generation_method":"deterministic","narrative_fields_populated":false,"longitudinal_months":96,"deterministic_sections_populated":true,"reference_data_version":"v2.0.0"},"archetype_id":"RL-01"... |
S-01 | Divorce in Progress | transition | mass_affluent | single | NY | 5 | 4 | $100k–$250k | v3.0.0 | "A small free sample: 8 deliberately insufficient households (one per life stage plus one high-net-w(...TRUNCATED) | "{\"_meta\":{\"schema_version\":\"v3.0.0\",\"archetype_id\":\"S-01\",\"archetype_name\":\"Divorce in(...TRUNCATED) |
WealthSchema Synthetic Household Samples
8 synthetic U.S. households, one per life stage plus one high-net-worth: a small free preview of what a complete, internally consistent household financial profile looks like. Each record covers the people, income, assets, debts, insurance, taxes, goals and a monthly trajectory. No real person is behind any of it.
Built for teams that need realistic households to design, demo or test financial software: planning tools, robo-advisors, lending and insurance workflows, and AI agents for financial advice.
Why this exists
Testing wealth software usually means one of two bad options. Production client data needs a privacy review and a data-use agreement. Generated fake data (Faker and similar) breaks the moment your engine meets a realistic edge case, like a 28-year-old with a large brokerage account and no salary. These households are synthetic by construction, and their numbers are consistent with each other.
What's in a record
| Column | What it holds |
|---|---|
archetype_id, archetype_name |
The archetype, e.g. F-01 New Graduate Tech Worker (the full corpus spans 71) |
life_stage, wealth_tier, household_type |
Filters: formation → retirement; mass market → ultra-high net worth; single, couple, family |
state_of_residence, num_members, num_dependents, gross_income_band |
Quick descriptors |
household_json |
The full sample record as JSON: persona, members, cash flow, assets, liabilities, insurance, tax profile, estate profile, goals, credit and behavioral profile, derived ratios, and a 12-month trajectory |
Load it:
from datasets import load_dataset
import json
ds = load_dataset("wealthschema/household-samples", split="train")
household = json.loads(ds[0]["household_json"])
print(ds[0]["archetype_name"], household["cash_flow"]["gross_income_annual"])
What this sample leaves out, on purpose
This is a preview of shape and fidelity, not the product:
- Dollar amounts are banded (e.g.
$50k–$100k), not exact. - The monthly trajectory is truncated to 12 months; forward projections are withheld.
- Names, employers, metros and anything person-like are removed.
- Only 8 households: one per life stage plus one high-net-worth. The other 63 archetypes are in the paid corpus.
The full corpus has 1,451 households with exact figures, 96-month trajectories and Monte Carlo projections, sold as themed bundles or as a whole: wealthschema.com/datasets. A free watermarked single household (by email) is available at wealthschema.com/sample.
How the households are built
Deterministically, from seeded samplers: the same seed gives the same household. Demographics and balance sheets are calibrated to public sources, including the Federal Reserve's Survey of Consumer Finances. Tax and benefit figures are cited to IRS, SSA and CMS primary sources. Every record passes a schema gate before it ships. Schema overview: wealthschema.com/schemas.
License
Evaluation use, under the WealthSchema license. Every record carries _sample.license: "evaluation-only". Use it to evaluate fit, prototype and demo; don't redistribute it as a dataset of your own.
Related
- wealthschema/planning-benchmark: does an AI financial-advice system cite this year's figures?
- Rule Sets: current U.S. planning figures, each cited to its source, over an API and MCP server.
Questions: support@wealthschema.com
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