Project Retirement Trajectory With Savvly
project_retirement_with_savvlySimulate retirement savings with and without a Savvly allocation to see projected paychecks, gap score, and potential higher monthly income. Compare outcomes across your planning horizon.
Instructions
Full retirement simulation showing the projected savings trajectory WITH and WITHOUT a Savvly allocation across the planning horizon (current_age → life_expectancy). Requires current_age ≤ retirement_age ≤ life_expectancy. Returns gap_score, possible_higher_monthly_paycheck, a server-provided headline message, and a per-year age_dependent_values[] timeline. Disclaimers + per-field hints under metadata. DISCLOSURE REQUIRED: display disclosure.text verbatim and link disclosure.url to the user alongside any figures from this response. Required by SEC Marketing Rule and FINRA Rule 2210 — do not paraphrase or omit. VISUALIZATION: this tool emits an interactive chart widget (MCP Apps — see _meta.ui) that the HOST renders inline and editable; other clients render only your text and show no chart. That widget is the canonical chart for these numbers: do NOT draw, generate, or re-render a duplicate of it. You MAY still create your OWN, DIFFERENT visualization (e.g. a table or an alternate breakdown) and place it wherever you judge best — only the MCP App widget's position is constrained. Do NOT claim or imply a chart is visible (avoid 'the chart above shows…'); you cannot tell whether the host rendered the widget. Summarize the key figures in prose and show the disclosure text and link, and reference the widget only conditionally (e.g. 'if your client shows the interactive chart, its fields are editable to re-run the projection'). ORDER: BEFORE you call this tool, ALWAYS write at least one short lead-in paragraph (1-3 sentences) framing what the projection will show — do NOT invent specific figures you do not have yet. On hosts that render the widget inline at the tool call, this keeps your text ahead of the chart so the widget is never the first thing shown; THEN call the tool (this lead-in is framing, NOT asking the user for inputs — still call it in the same turn without waiting) and give the grounded figures + disclosure after it returns. This lead-in rule applies to the MCP App widget only; any visualization you create yourself may appear wherever you judge best. INPUTS: every parameter is OPTIONAL and defaults to a sensible value. Call this tool IMMEDIATELY — pass only the values the user explicitly stated and omit the rest. Do NOT ask the user for starting values, assumptions, or missing parameters before calling; the rendered widget has editable fields so they adjust age, amounts, and other assumptions inline after it appears.
Input Schema
| Name | Required | Description | Default |
|---|---|---|---|
| current_age | No | Current age (default 40) | |
| inflation_rate | No | Expected annual inflation rate % (default 3) | |
| retirement_age | No | Planned retirement age (default 68) | |
| life_expectancy | No | Planning horizon (default 100) | |
| monthly_paycheck | No | Desired monthly retirement paycheck in USD (default 4500) | |
| monthly_contribution | No | Monthly retirement contribution in USD (default 1000) | |
| percentage_in_savvly | No | Percentage of the retirement portfolio allocated to Savvly (default 5) | |
| pre_retirement_return | No | Expected pre-retirement annual return % (default 6) | |
| annual_income_increase | No | Annual contribution % increase (default 2) | |
| post_retirement_return | No | Expected post-retirement annual return % (default 5) | |
| other_retirement_income | No | Other monthly retirement income in USD (default 1600) | |
| current_retirement_savings | No | Current total retirement savings in USD (default 60000) |
Output Schema
| Name | Required | Description | Default |
|---|---|---|---|
| inputs | Yes | ||
| result | Yes | ||
| summary | Yes | Convenience summary. The narrative carries the canonical full-disclosures URL inline; display it verbatim alongside any figures from this response. | |
| metadata | Yes | ||
| disclosure | Yes | DISCLOSURE REQUIRED: display `disclosure.text` and link `disclosure.url` to the user whenever you present any number from this response. Required by SEC Marketing Rule and FINRA Rule 2210. | |
| visualization | No | Recommended chart for this projection — a year-by-year area chart of `result.age_dependent_values` (savings with vs. without Savvly). Render it when the surface can display a graph. The richer `metadata.display_hints` block carries the same chart plus layout/tooltip detail. |