Project Retirement Trajectory With Savvly
project_retirement_with_savvlySimulates retirement savings trajectory with and without a Savvly allocation, providing gap score and possible higher monthly paycheck.
Instructions
Full retirement simulation showing the projected savings trajectory WITH and WITHOUT a Savvly allocation across the planning horizon (current_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). MCP-Apps-capable hosts render it inline and editable; other clients render only your text and show no chart. Do NOT draw, generate, or render your own chart, graph, or table of these numbers — there is no fallback chart for you to build, so never produce a duplicate. 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 chart only conditionally (e.g. 'if your client shows the interactive chart, its fields are editable to re-run the projection'). 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) | |
| retirement_age | No | Planned retirement age (default 68) | |
| life_expectancy | No | Planning horizon (default 100) | |
| monthly_contribution | No | Monthly retirement contribution in USD (default 1000) | |
| current_retirement_savings | No | Current total retirement savings in USD (default 60000) | |
| monthly_paycheck | No | Desired monthly retirement paycheck in USD (default 4500) | |
| other_retirement_income | No | Other monthly retirement income in USD (default 1600) | |
| annual_income_increase | No | Annual contribution % increase (default 2) | |
| 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) | |
| post_retirement_return | No | Expected post-retirement annual return % (default 5) | |
| inflation_rate | No | Expected annual inflation rate % (default 3) |
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. | |
| 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. | |
| 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. | |
| metadata | Yes |