OpenChainGraph Suite · ART-283 · Retirement Decumulation

Pension Lump-Sum vs. Annuity Decision Engine

Compare a defined-benefit pension lump-sum offer against the single-life and joint-survivor annuity streams: present value at the stated discount rate with an optional labeled COLA assumption, survivor-option monthly cost, break-even discount rate, and undiscounted break-even age. Terminal node of the retirement-decumulation-decisions chain. Figures are user-supplied off the claimant's own election paperwork, no PII stored. Zero network.

DB Pension Election 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
Terminal node of retirement-decumulation-decisions chain (art-282→283). Survivor longevity is NOT separately modeled — the joint-survivor stream uses the same horizon as the single-life stream, a simplification. COLA, when toggled, applies a labeled flat-growth assumption, not a guaranteed plan term. Break-even rate is found by a fixed 60-iteration bisection, deterministic and reproducible on every JS engine.
Presets
Pension Election
Labeled 2%/yr assumption, not a guaranteed plan term.
Decumulation 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 `compare_pension_lump_sum_annuity`. Task: Compare a defined-benefit pension lump-sum offer against single-life and joint-survivor annuity streams: present value at the stated discount rate with optional COLA, survivor-option monthly cost, break-even discount rate, break-even age.
Call it with arguments: {"policy_parameters":{"election":{"lumpSum":300000,"monthlyAnnuitySingleLife":2000,"monthlyAnnuityJointSurvivor":1800,"currentAge":65,"lifeExpectancy":90,"discountRatePct":4,"survivorPct":75,"colaToggle":true}}}
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-283-pension-lump-sum-vs-annuity-decision-engine.html#p=v1.H4sIAAAAAAAA_wG9AEL_eyJlbGVjdGlvbiI6eyJsdW1wU3VtIjozMDAwMDAsIm1vbnRobHlBbm51aXR5U2luZ2xlTGlmZSI6MjAwMCwibW9udGhseUFubnVpdHlKb2ludFN1cnZpdm9yIjoxODAwLCJjdXJyZW50QWdlIjo2NSwibGlmZUV4cGVjdGFuY3kiOjkwLCJkaXNjb3VudFJhdGVQY3QiOjQsInN1cnZpdm9yUGN0Ijo3NSwiY29sYVRvZ2dsZSI6dHJ1ZX19xpn2P70AAAA