OpenChainGraph Suite · ART-282 · Retirement Decumulation

Social Security Claiming-Age Optimizer

Model claiming-age tradeoffs from a claimant's own PIA and estimated Full Retirement Age (FRA) statement figures: early-claim reduction (Sec.202(q)), delayed-retirement credit (Sec.202(w)), earnings-test withholding below FRA (Sec.203(f)), lifetime present value at 62/FRA/70/your chosen age, and the 62-vs-70 break-even age. Root node of the retirement-decumulation-decisions chain. No SSA API, no PII stored. Zero network.

Social Security Act §202/216(l) Decumulation Zero PII W3C VC §13.11
🔒 All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only.
Scope
Root node of retirement-decumulation-decisions chain (art-282→283). Figures are USER-SUPPLIED off the claimant's own SSA statement, never fetched. Earnings-test limit is a labeled annual snapshot fixed in the kernel, not a caller input. Re-verify it against the current year before relying on the withholding figure. Lifetime PV uses a portable compounding loop (no engine-specific transcendental math), so the same inputs always produce the same output on every JS engine.
Presets
Claimant Statement Figures
Claiming-Age Result







  

    
Ask your agent

    
  

  
Copy this paragraph into Claude, OpenClaw, or any MCP-aware agent to run this exact tool, with this sample, and verify the artifact.

  
Run the AINumbers MCP tool `optimize_social_security_claim_age`. Task: Model Social Security claiming-age tradeoffs from claimant-supplied PIA/FRA figures: early-claim reduction, delayed-retirement credit, earnings-test withholding, lifetime PV at 62/FRA/70/chosen age, 62-vs-70 break-even age.
Call it with arguments: {"policy_parameters":{"claimant":{"birthYear":1960,"pia":2000,"claimAge":62,"earningsIfWorking":0,"discountRatePct":3,"longevityAge":85}}}
Verify before trusting: call `verify_execution_hash` on mcp.ainumbers.co (https://mcp.ainumbers.co/mcp) with the parameter `claimed_hash` set to the returned `execution_hash`, passing the full artifact the run returned (the object containing `policy_parameters` + `output_payload` + `execution_hash`; equivalently `policy_parameters` + `output_payload` with `claimed_hash`), not the bare hash string.
Return the ledger link https://ledger.ainumbers.co/ so a human can re-verify without contacting us.
PII rule: All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only.
Open the tool with the sample prefilled: https://ainumbers.co/chaingraph/art-282-social-security-claiming-optimizer.html#p=v1.H4sIAAAAAAAA_wF0AIv_eyJjbGFpbWFudCI6eyJiaXJ0aFllYXIiOjE5NjAsInBpYSI6MjAwMCwiY2xhaW1BZ2UiOjYyLCJlYXJuaW5nc0lmV29ya2luZyI6MCwiZGlzY291bnRSYXRlUGN0IjozLCJsb25nZXZpdHlBZ2UiOjg1fX1dqswadAAAAA