A

Pension Payout Scenario Planner

3.85

Derivation Chain

Step 1 Integrated Retirement Pension and private Pension simulation
→
Step 2 Inability to project across fragmented Pension accounts
→
Step 3 Need to compare after-tax net payouts based on timing and withdrawal method

Problem

Workers approaching age 55 face tens of thousands of dollars in after-tax payout differences depending on when they start National Pension, whether they take Retirement Pension as a lump sum or annuity, and the IRP withdrawal sequence—but have no tool to compare scenarios. Each financial institution's app only shows its own products, and no service exists that integrates taxes (retirement income tax, Pension income tax, and health Insurance premium linkage).

Solution

Manual entry of National Pension, Retirement Pension, IRP, and private Pension balances for scenario-by-scenario after-tax monthly payout comparison / break-even visualization with a payout start-age slider / health Insurance dependent disqualification timing alert

Target: Ages 50–62, within 5 years of Retirement, holding both National Pension and Retirement Pension, two-person households needing joint Retirement planning with spouse
Revenue Model: Basic simulation free, advanced (detailed tax breakdown + PDF) Monthly Subscription $3.70 / B2B API license for bank and brokerage Retirement Pension departments
Ecosystem Role: Consumer
MVP Estimate: 1_month

NUMR-V Scores

N Novelty
4.0/5
U Urgency
5.0/5
M Market
5.0/5
R Realizability
2.0/5
V Validation
5.0/5
NUMR-V Scoring System
N Novelty1-5How uncommon the service is in market context.
U Urgency1-5How urgently users need this problem solved now.
M Market1-5Market size and growth potential from proxy indicators.
R Realizability1-5Buildability for a small team with realistic constraints.
V Validation1-5Validation signal quality from competition and demand data.
Each dimension is scored 1-5 and weighted into grade S/A/B/C/D.
SaaS N=.15 U=.20 M=.15 R=.30 V=.20 Senior N=.25 U=.25 M=.05 R=.30 V=.15

Feasibility (53%)

Tech Complexity
19.3/40
Data Availability
21.7/25
MVP Timeline
12.0/20
API Bonus
0.0/15
Feasibility Breakdown
Tech Complexity/ 40Difficulty of core implementation stack.
Data Availability/ 25Practical availability and cost of required data.
MVP Timeline/ 20Expected time to ship a usable MVP.
API Bonus/ 15Bonus for viable public API leverage.
Total 100 points; below 50% is filtered out.

Market Validation (63/100)

Competition
8.0/20
Market Demand
9.4/20
Timing
16.0/20
Revenue Signals
10.5/15
Pick-Axe Fit
12.0/15
Solo Buildability
7.0/10
Validation Breakdown
Competition/ 20Signal quality from competitor landscape.
Market Demand/ 20Demand proxies from search and mention patterns.
Timing/ 20Fit with current shifts in tech, behavior, and regulation.
Revenue Signals/ 15Reference evidence for monetization viability.
Pick-Axe Fit/ 15How well the concept serves participants in a trend.
Solo Buildability/ 10Practicality for lean-team implementation.
Total 100 points; below 50 is filtered out.

Technical Requirements

Backend [high] Frontend [medium] Backend [medium]
Dashboard