What a savings target takes
solve_savings_planRead-onlyIdempotent
What it takes to reach a target: the return needed, or the saving needed.
Returns ``required_per_annum`` (the rate that reaches the target as stated), and
``required_contribution`` and ``required_initial`` (the two saving levers, each
at the supplied rate). A required return says what the target demands, not how
likely it is; ``describe_portfolio_outlook`` gives a strategy's expected return
for comparison.
A negative ``required_per_annum`` means deposits alone overshoot the target. A
negative ``required_contribution`` means no monthly saving is needed.
``required_per_annum: null`` means no rate in the solver's range reaches the target.
``per_annum_by_year`` (a glide path's rates) can stand in for ``per_annum`` when
the saving levers are solved.
Tool call template
Replace each placeholder with a value matching the input schema. Only required parameters are included; add optional parameters as needed.
{
"id": 1,
"jsonrpc": "2.0",
"method": "tools/call",
"params": {
"arguments": {
"target_value": "<target_value>",
"years": "<years>"
},
"name": "solve_savings_plan"
}
}Input Schema
| Name | Required | Description | Default |
|---|---|---|---|
| years | Yes | ||
| cadence | No | monthly | |
| per_annum | No | Assumed growth while the saving levers are solved. Omit it and only the required RETURN is answered — "how much must I save" has no answer until something is assumed about growth. | |
| contribution | No | ||
| target_value | Yes | ||
| initial_amount | No | ||
| per_annum_by_year | No |
Output Schema
| Name | Required | Description | Default |
|---|---|---|---|
| years | Yes | ||
| cadence | Yes | ||
| currency | Yes | ||
| target_value | Yes | ||
| required_initial | No | What must be put in at the start instead, at the rate given. Negative on the same terms. | |
| required_per_annum | No | The constant rate that lands exactly on the target, holding the money as stated. NEGATIVE where the deposits alone already overshoot — it then takes a loss to miss. None where nothing between -95% and +100% a year reaches it, which is a target the levers do not move. | |
| required_contribution | No | What must be paid in each period to reach the target at the rate given. NEGATIVE means the opening amount alone already overshoots: no saving is needed, which is not the same as a negative deposit. |