Previous value: -"Verbatim bullet list of key assumptions used by the simulation (SSA tables, 8% market growth, 3% early-withdrawal rate, net of fund operating expenses, etc.). Surface when a user asks what the projection assumes."New value: +"Verbatim bullet list of key assumptions used by the simulation (SSA tables, 8% market growth, 0.2% annual early-withdrawal rate, net of fund operating expenses, etc.). Surface when a user asks what the projection assumes."

Removed value: -[
-  {
-    "type": "number"
-  },
-  {
-    "type": "null"
-  }
-]

Added value: +[
+  "number",
+  "null"
+]

Removed value: -[
-  {
-    "type": "number"
-  },
-  {
-    "type": "null"
-  }
-]

Added value: +[
+  "number",
+  "null"
+]

Removed value: -[
-  {
-    "type": "number"
-  },
-  {
-    "type": "null"
-  }
-]

Added value: +[
+  "number",
+  "null"
+]

Removed value: -[
-  {
-    "type": "number"
-  },
-  {
-    "type": "null"
-  }
-]

Added value: +[
+  "number",
+  "null"
+]

Removed value: -[
-  {
-    "type": "number"
-  },
-  {
-    "type": "null"
-  }
-]

Added value: +[
+  "number",
+  "null"
+]

Removed value: -[
-  {
-    "type": "number"
-  },
-  {
-    "type": "null"
-  }
-]

Added value: +[
+  "number",
+  "null"
+]

Removed value: -[
-  {
-    "type": "number"
-  },
-  {
-    "type": "null"
-  }
-]

Added value: +[
+  "number",
+  "null"
+]

Previous value: -20New value: +10

Previous value: -"Per-milestone-age breakdown of the projection. Typically 4 rows for ages 80, 85, 90, 95. Each row contains the with Savvly payout, the market alone counterfactual, and the incremental Savvly upside for that age, each with `_lower`/`_upper` bounds."New value: +"Per-milestone-age breakdown of the projection. Typically 4 rows for ages 80, 85, 90, 95. Each row contains the with Savvly payout, the market alone counterfactual, and the incremental Savvly upside for that age, with a `_central` estimate and its `_lower`/`_upper` range."

Previous value: -"USD. Market alone counterfactual paired with savvly_payout_LOWER — the same scenario, not a low bound. It can exceed payout_market_alone_upper, because smaller Savvly payouts draw the mirrored portfolio down more slowly. May be 0 once that portfolio has been fully drawn down."New value: +"USD. Market alone counterfactual at this age: a portfolio that withdraws the central Savvly payout at each milestone. One series, so it equals payout_market_alone_upper. May be 0 once that portfolio is depleted."

Previous value: -"USD. Market alone counterfactual paired with savvly_payout_UPPER — the same scenario, not a high bound. May be 0 once the mirrored portfolio has been depleted."New value: +"USD. Market alone counterfactual at this age; equals payout_market_alone_lower. May be 0 once the portfolio is depleted."

Added value: +{
+  "description": "USD. Central estimate of the payout with Savvly at this milestone age. Use this when surfacing a single number.",
+  "type": "number"
+}

Previous value: -"USD. Lower bound of the modeled payout with Savvly at this milestone age."New value: +"USD. Low end of the range around savvly_payout_central at this milestone age."

Previous value: -"USD. Upper bound (central illustrative estimate) of the payout with Savvly at this milestone age. Use this when surfacing a single number."New value: +"USD. High end of the range around savvly_payout_central at this milestone age. Not the central estimate."

Added value: +{
+  "description": "USD. Incremental payout at this age attributable to Savvly's longevity benefit: savvly_payout_central − payout_market_alone_upper. About 0 at the early ages, where market alone still matches the payout; large at 90/95, once market alone is depleted.",
+  "type": "number"
+}

Previous value: -"USD. Lower bound for the incremental payout at this age attributable to Savvly's longevity benefit (savvly_payout − payout_market_alone)."New value: +"USD. savvly_payout_lower − market alone. Negative at the early ages, where market alone matches the central payout."

Previous value: -"USD. Upper bound for the incremental Savvly upside at this age. Tends to be large at 90/95 where the market alone portfolio is depleted."New value: +"USD. savvly_payout_upper − market alone."

Previous value: -[
-  "payout_age",
-  "savvly_payout_lower",
-  "savvly_payout_upper",
-  "payout_market_alone_lower",
-  "payout_market_alone_upper",
-  "savvly_upside_lower",
-  "savvly_upside_upper"
-]New value: +[
+  "payout_age",
+  "savvly_payout_central",
+  "savvly_payout_lower",
+  "savvly_payout_upper",
+  "payout_market_alone_lower",
+  "payout_market_alone_upper",
+  "savvly_upside_central",
+  "savvly_upside_lower",
+  "savvly_upside_upper"
+]

Previous value: -"USD. Lower bound of the cumulative counterfactual market alone payout."New value: +"USD. Cumulative market alone counterfactual. One series, matched to the central Savvly payouts, so it equals total_market_alone_upper."

Previous value: -"USD. Upper bound of the cumulative counterfactual market alone payout."New value: +"USD. Cumulative market alone counterfactual; equals total_market_alone_lower."

Added value: +{
+  "description": "USD. Central estimate of the total cumulative payout with Savvly across all milestone ages, assuming the investor stays in to the final modeled age. Use this when surfacing a single number.",
+  "type": "number"
+}

Previous value: -"USD. Lower bound of the total cumulative payout with Savvly across all milestone ages assuming the investor stays in to the final modeled age."New value: +"USD. Low end of the range around total_savvly_central."

Previous value: -"USD. Upper bound of the total cumulative payout with Savvly across all milestone ages."New value: +"USD. High end of the range around total_savvly_central. Not the central estimate."

Added value: +{
+  "description": "USD. Central estimate of the cumulative incremental upside Savvly provides vs. investing in the market alone, summed across all milestone payout ages: `total_savvly_central − total_market_alone_upper`. Use this when surfacing a single number.",
+  "type": "number"
+}

Previous value: -"USD. Lower bound of the cumulative incremental upside Savvly provides vs. investing in the market alone, summed across all milestone payout ages."New value: +"USD. `total_savvly_lower − total_market_alone_lower`: the cumulative upside at the low end of the range."

Previous value: -"USD. Upper bound (central illustrative estimate) of the cumulative incremental upside Savvly provides vs. market alone. Equals `total_savvly_upper − total_market_alone_upper`."New value: +"USD. `total_savvly_upper − total_market_alone_upper`: the cumulative upside at the high end of the range. Not the central estimate."

Previous value: -[
-  "total_savvly_upside_lower",
-  "total_savvly_upside_upper",
-  "total_savvly_lower",
-  "total_savvly_upper",
-  "total_market_alone_lower",
-  "total_market_alone_upper",
-  "early_withdrawal_value",
-  "total_payout_at_withdrawal_age_lower",
-  "total_payout_at_withdrawal_age_upper",
-  "percentage_gain_lower",
-  "percentage_gain_upper",
-  "payout_age_dependent_values"
-]New value: +[
+  "total_savvly_upside_central",
+  "total_savvly_upside_lower",
+  "total_savvly_upside_upper",
+  "total_savvly_central",
+  "total_savvly_lower",
+  "total_savvly_upper",
+  "total_market_alone_lower",
+  "total_market_alone_upper",
+  "early_withdrawal_value",
+  "total_payout_at_withdrawal_age_lower",
+  "total_payout_at_withdrawal_age_upper",
+  "percentage_gain_lower",
+  "percentage_gain_upper",
+  "payout_age_dependent_values"
+]

Previous value: -"USD. Total amount deposited into Savvly. For single deposits this equals `funding_amount`. For monthly installments it equals `monthly_installment * installment_years * 12`."New value: +"USD. Total amount deposited into Savvly. For single deposits this equals `funding_amount`. For monthly installments it equals `monthly_amount * contribution_years * 12`."

Added value: +{
+  "anyOf": [
+    {
+      "type": "number"
+    },
+    {
+      "type": "null"
+    }
+  ],
+  "description": "USD. `total_savvly_central − total_market_alone_upper`, the central incremental upside."
+}

Previous value: -"USD. `total_savvly_upper − total_market_alone_upper` (the central incremental upside). May differ slightly from `result.total_savvly_upside_upper` due to rounding."New value: +"USD. `total_savvly_upper − total_market_alone_upper`, the incremental upside at the high end of the range. Not the central estimate."

Added value: +{
+  "anyOf": [
+    {
+      "type": "number"
+    },
+    {
+      "type": "null"
+    }
+  ],
+  "description": "Convenience copy of `result.total_savvly_central`, the single estimate."
+}

Previous value: -"Convenience copy of `result.total_savvly_upper`."New value: +"Convenience copy of `result.total_savvly_upper`, the high end of the range."

Previous value: -[
-  "deposit_type",
-  "deposited_amount_usd",
-  "total_savvly_upper_usd",
-  "total_market_alone_upper_usd",
-  "savvly_above_market_upper_usd",
-  "early_exit_refund_usd",
-  "percentage_gain_upper_percent",
-  "narrative"
-]New value: +[
+  "deposit_type",
+  "deposited_amount_usd",
+  "total_savvly_central_usd",
+  "total_savvly_upper_usd",
+  "total_market_alone_upper_usd",
+  "savvly_above_market_central_usd",
+  "savvly_above_market_upper_usd",
+  "early_exit_refund_usd",
+  "percentage_gain_upper_percent",
+  "narrative"
+]

Previous value: -"Monthly deposit in USD (default 100)"New value: +"Monthly deposit in USD (default 100). Min 10 (the product minimum); max 100,000 (the projection model's input limit, not an investment limit)"

Added value: +100000

Previous value: -1New value: +2

Previous value: -55New value: +50

Previous value: -"Optional annual % increase applied to monthly contributions"New value: +"Optional annual % increase applied to monthly contributions, in whole percent"

Previous value: -"number"New value: +"integer"

Previous value: -120New value: +100

Previous value: -"USD. Lower bound of the counterfactual market alone payout at this age. May be 0 once the modeled market alone portfolio has been fully drawn down by withdrawals."New value: +"USD. Market alone counterfactual paired with savvly_payout_LOWER — the same scenario, not a low bound. It can exceed payout_market_alone_upper, because smaller Savvly payouts draw the mirrored portfolio down more slowly. May be 0 once that portfolio has been fully drawn down."

Previous value: -"USD. Upper bound of the counterfactual market alone payout at this age. May be 0 once the market alone portfolio has been depleted."New value: +"USD. Market alone counterfactual paired with savvly_payout_UPPER — the same scenario, not a high bound. May be 0 once the mirrored portfolio has been depleted."

Removed value: -{
-  "description": "REQUIRED on every call after your first. This MCP server associates all of your tool calls for a given task using session_id; a call that arrives without it cannot be associated with your earlier work and is treated as the start of an unrelated task, disconnected from the original goal. Omit it on your first call only — the server will issue one in the _mcp_instructions field of the result (or a trailing [MCP INSTRUCTIONS] text block) — then echo that exact value on every later call. Never invent a value, and do not issue parallel tool calls until the server has issued your session_id. One session_id covers the whole goal from start to finish: when you spawn subagents you MUST give them this same session_id, or their work is severed from yours. Without session_id, this server does not function as intended.",
-  "type": "string"
-}

Removed value: -{
-  "description": "Your handles for this task, confirmed by this MCP server on every response, and the instructions for echoing them on later calls. Read and follow.",
-  "properties": {
-    "instructions": {
-      "type": "string"
-    },
-    "session_id": {
-      "description": "Echo this exact value as the session_id argument on every subsequent tool call.",
-      "type": "string"
-    }
-  },
-  "type": "object"
-}

Previous value: -"http://json-schema.org/draft-07/schema#"New value: +"https://json-schema.org/draft/2020-12/schema"

Removed value: -false

Added value: +{
+  "description": "REQUIRED on every call after your first. This MCP server associates all of your tool calls for a given task using session_id; a call that arrives without it cannot be associated with your earlier work and is treated as the start of an unrelated task, disconnected from the original goal. Omit it on your first call only — the server will issue one in the _mcp_instructions field of the result (or a trailing [MCP INSTRUCTIONS] text block) — then echo that exact value on every later call. Never invent a value, and do not issue parallel tool calls until the server has issued your session_id. One session_id covers the whole goal from start to finish: when you spawn subagents you MUST give them this same session_id, or their work is severed from yours. Without session_id, this server does not function as intended.",
+  "type": "string"
+}

Previous value: -"http://json-schema.org/draft-07/schema#"New value: +"https://json-schema.org/draft/2020-12/schema"

Added value: +{
+  "description": "Your handles for this task, confirmed by this MCP server on every response, and the instructions for echoing them on later calls. Read and follow.",
+  "properties": {
+    "instructions": {
+      "type": "string"
+    },
+    "session_id": {
+      "description": "Echo this exact value as the session_id argument on every subsequent tool call.",
+      "type": "string"
+    }
+  },
+  "type": "object"
+}

Previous value: -{}New value: +true

Added value: +{
+  "type": "string"
+}

Added value: +{
+  "type": "string"
+}

Added value: +9007199254740991

Added value: +-9007199254740991

Added value: +[
+  {
+    "type": "number"
+  },
+  {
+    "type": "null"
+  }
+]

Removed value: -[
-  "number",
-  "null"
-]

Added value: +[
+  {
+    "type": "number"
+  },
+  {
+    "type": "null"
+  }
+]

Removed value: -[
-  "number",
-  "null"
-]

Added value: +[
+  {
+    "type": "number"
+  },
+  {
+    "type": "null"
+  }
+]

Removed value: -[
-  "number",
-  "null"
-]

Added value: +[
+  {
+    "type": "number"
+  },
+  {
+    "type": "null"
+  }
+]

Removed value: -[
-  "number",
-  "null"
-]

Added value: +[
+  {
+    "type": "number"
+  },
+  {
+    "type": "null"
+  }
+]

Removed value: -[
-  "number",
-  "null"
-]

Added value: +{
+  "type": "string"
+}

Previous value: -"Human-readable English sentence summarizing the projection. Always ends with 'Payouts are not guarantees. See full disclosures at <url>.' — display the URL verbatim alongside any figures."New value: +"Human-readable English sentence summarizing the projection. Always ends with 'Payouts follow a fixed milestone schedule; payout amounts are not guaranteed. See full disclosures at <url>.' — display the URL verbatim alongside any figures."

Previous value: -25New value: +18

Previous value: -"Investor's current age (default 40). Accepts 0–75; an age under 18 is modeled on the age-18 basis (the projection matrix has no rows below 18), so projected growth is understated for a sub-18 investor — the response flags this in its `age_modeling` block. Max 75 (max enrollment age)"New value: +"Investor's current age (default 40). Min 18 (the projection matrix floor); max 75 (max enrollment age)"

Previous value: -0New value: +18

Removed value: -{
-  "description": "Disclosure (single-sourced from advisor_functions) that the projection is modeled on the age-18 basis and the shown growth is understated for a younger investor. Present only when clamped; display alongside any figures.",
-  "type": "string"
-}

Removed value: -{
-  "description": "Present + true ONLY when the supplied current_age was below the age-18 matrix floor; the projection was then modeled on the age-18 basis.",
-  "type": "boolean"
-}

Removed value: -{
-  "description": "The age used for the matrix lookup (18) when current_age was younger. Present only when clamped.",
-  "type": "integer"
-}

Removed value: -{
-  "additionalProperties": true,
-  "description": "Present ONLY when current_age was under 18 and the projection was modeled on the age-18 basis (growth understated). Surface `note` to the user.",
-  "properties": {
-    "current_age_clamped": {
-      "const": true,
-      "description": "Always true when present. The supplied `current_age` was below the age-18 modeling floor, so the projection was computed on the age-18 basis.",
-      "type": "boolean"
-    },
-    "modeled_current_age": {
-      "description": "The age actually used for the projection matrix lookup (18) when the supplied current_age was younger.",
-      "type": "integer"
-    },
-    "note": {
-      "description": "Plain-English disclosure that the projection is modeled on the age-18 basis and the shown growth is understated for a younger investor. Display alongside any figures from this response.",
-      "type": "string"
-    }
-  },
-  "required": [
-    "current_age_clamped",
-    "modeled_current_age",
-    "note"
-  ],
-  "type": "object"
-}

Added value: +{
+  "description": "Disclosure (single-sourced from advisor_functions) that the projection is modeled on the age-18 basis and the shown growth is understated for a younger investor. Present only when clamped; display alongside any figures.",
+  "type": "string"
+}

Added value: +{
+  "description": "Present + true ONLY when the supplied current_age was below the age-18 matrix floor; the projection was then modeled on the age-18 basis.",
+  "type": "boolean"
+}

Added value: +{
+  "description": "The age used for the matrix lookup (18) when current_age was younger. Present only when clamped.",
+  "type": "integer"
+}

Removed value: -27

Previous value: -"Number of years contributing (default 27 = retirement age 67 − current age 40)"New value: +"Number of years contributing. Omit to use a sensible default of min(27, 80 − current_age) — 27 for the canonical age-40 scenario, and always small enough that contributions finish by age 80 (the advisor limit). If you pass an explicit value, current_age + contribution_years must be ≤ 80."

Previous value: -"Investor's current age (default 40)"New value: +"Investor's current age (default 40). Accepts 0–75; an age under 18 is modeled on the age-18 basis (the projection matrix has no rows below 18), so projected growth is understated for a sub-18 investor — the response flags this in its `age_modeling` block. Max 75 (max enrollment age)"

Previous value: -25New value: +0

Added value: +{
+  "additionalProperties": true,
+  "description": "Present ONLY when current_age was under 18 and the projection was modeled on the age-18 basis (growth understated). Surface `note` to the user.",
+  "properties": {
+    "current_age_clamped": {
+      "const": true,
+      "description": "Always true when present. The supplied `current_age` was below the age-18 modeling floor, so the projection was computed on the age-18 basis.",
+      "type": "boolean"
+    },
+    "modeled_current_age": {
+      "description": "The age actually used for the projection matrix lookup (18) when the supplied current_age was younger.",
+      "type": "integer"
+    },
+    "note": {
+      "description": "Plain-English disclosure that the projection is modeled on the age-18 basis and the shown growth is understated for a younger investor. Display alongside any figures from this response.",
+      "type": "string"
+    }
+  },
+  "required": [
+    "current_age_clamped",
+    "modeled_current_age",
+    "note"
+  ],
+  "type": "object"
+}

Previous value: -79New value: +75

Previous value: -"Verbatim bullet list of key assumptions used by the simulation (SSA tables, 8% market growth, 3% early-withdrawal rate, net of fees, etc.). Surface when a user asks what the projection assumes."New value: +"Verbatim bullet list of key assumptions used by the simulation (SSA tables, 8% market growth, 3% early-withdrawal rate, net of fund operating expenses, etc.). Surface when a user asks what the projection assumes."

Previous value: -"USD. Lower bound for the incremental payout at this age attributable to Savvly's Longevity Benefit (savvly_payout − payout_market_alone)."New value: +"USD. Lower bound for the incremental payout at this age attributable to Savvly's longevity benefit (savvly_payout − payout_market_alone)."

Added value: +8

Previous value: -"Expected average annual return %"New value: +"Expected average annual S&P 500 return % (default 8)"

Added value: +27

Previous value: -"Number of years contributing"New value: +"Number of years contributing (default 27 = retirement age 67 − current age 40)"

Added value: +40

Previous value: -"Investor's current age"New value: +"Investor's current age (default 40)"

Added value: +100

Previous value: -"Monthly contribution in USD"New value: +"Monthly deposit in USD (default 100)"

Added value: +82

Previous value: -"Optional early-withdrawal age — drives `early_withdrawal_value` and `total_payout_at_withdrawal_age_*` in the response"New value: +"Early-withdrawal age (default 82) — drives `early_withdrawal_value` and `total_payout_at_withdrawal_age_*` in the response"

Removed value: -[
-  "current_age",
-  "monthly_amount",
-  "contribution_years",
-  "average_return"
-]

Added value: +{
+  "additionalProperties": true,
+  "description": "Recommended chart for this projection — a grouped bar chart of the milestone payouts in `result.payout_age_dependent_values` (Savvly vs market alone). Render it when the surface can display a graph.",
+  "properties": {
+    "chart": {
+      "additionalProperties": true,
+      "description": "Machine-readable chart spec: type, axes, series (with brand colors), and rendering notes.",
+      "properties": {
+        "reference": {
+          "description": "Canonical Savvly visualization this chart mirrors.",
+          "type": "string"
+        },
+        "rendering_notes": {
+          "description": "Plain-English rendering guidance for the client.",
+          "items": {
+            "type": "string"
+          },
+          "type": "array"
+        },
+        "series": {
+          "description": "One entry per plotted series — typically Savvly vs. the baseline / market-alone counterfactual.",
+          "items": {
+            "additionalProperties": true,
+            "properties": {
+              "color": {
+                "description": "Hex color for this series. The series representing Savvly is always #3478eb (the Savvly brand blue).",
+                "type": "string"
+              },
+              "field": {
+                "description": "Per-row field plotted by this series.",
+                "type": "string"
+              },
+              "label": {
+                "description": "Legend label for this series.",
+                "type": "string"
+              }
+            },
+            "required": [
+              "field",
+              "label",
+              "color"
+            ],
+            "type": "object"
+          },
+          "type": "array"
+        },
+        "tooltip": {
+          "additionalProperties": {
+            "type": "string"
+          },
+          "description": "Optional `field -> human label` map for chart tooltips.",
+          "type": "object"
+        },
+        "type": {
+          "description": "Chart type the client should render.",
+          "enum": [
+            "area",
+            "line",
+            "bar"
+          ],
+          "type": "string"
+        },
+        "x_axis": {
+          "additionalProperties": true,
+          "description": "Per-row field mapped to the x-axis, plus its display label.",
+          "properties": {
+            "field": {
+              "type": "string"
+            },
+            "label": {
+              "type": "string"
+            }
+          },
+          "required": [
+            "field",
+            "label"
+          ],
+          "type": "object"
+        },
+        "y_axis": {
+          "additionalProperties": true,
+          "description": "Y-axis label and value format (e.g. 'currency_usd').",
+          "properties": {
+            "format": {
+              "type": "string"
+            },
+            "label": {
+              "type": "string"
+            }
+          },
+          "required": [
+            "label",
+            "format"
+          ],
+          "type": "object"
+        }
+      },
+      "required": [
+        "type",
+        "x_axis",
+        "y_axis",
+        "series",
+        "rendering_notes"
+      ],
+      "type": "object"
+    },
+    "instruction": {
+      "description": "Plain-English instruction telling the client to render `chart` from the per-row data in `result`, color the Savvly series #3478eb, and show the `disclosure` alongside the chart.",
+      "type": "string"
+    },
+    "recommended": {
+      "const": true,
+      "description": "Always true. Signals to the calling AI client that it SHOULD render `chart` whenever it can display a graph.",
+      "type": "boolean"
+    }
+  },
+  "required": [
+    "recommended",
+    "instruction",
+    "chart"
+  ],
+  "type": "object"
+}

Previous value: -falseNew value: +true

Added value: +{
+  "description": "Plain-English explanation of how the Savvly vs market-alone payout figures are computed (the matched-drawdown counterfactual). Present on lumpsum and monthly projections.",
+  "type": "string"
+}

Previous value: -[
-  "disclaimer",
-  "field_descriptions"
-]New value: +[
+  "disclaimer",
+  "methodology",
+  "field_descriptions"
+]

Previous value: -falseNew value: +true

Previous value: -falseNew value: +true