Income Gap Bridge Planner

4.00

Derivation Chain

Step 1 Redesigning the post-retirement income gap period

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Step 2 Lack of planning tools for the income cliff between retirement and pension eligibility

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Step 3 Optimizing asset withdrawal sequence and tax efficiency during the income gap

Problem

When workers retire at age 55–60, they face 5–10 years of zero income before National Pension payments begin at 65. To determine the optimal withdrawal sequence from severance pay, private pensions, savings, and real estate to maximize after-tax total value, retirees need 3–4 sessions with a tax accountant ($225–$370 / 30만–50만 KRW per session), and must consult again whenever conditions change.

Solution

Users enter their severance pay total, private pension balance, savings, and estimated real estate sale value on the web. The system auto-simulates year-by-year withdrawal order, amounts, and projected taxes (retirement income tax, pension income tax, comprehensive income tax) and displays a comparison table of the top 3 optimal withdrawal strategies. It also factors in health insurance premium fluctuations to calculate real disposable income.

Target: Office workers aged 53–60 at large or mid-sized companies, 1–3 years from retirement, with a spouse and adult children, severance pay in the $75K–$225K range (1억–3억 KRW)

Revenue Model: Basic simulation free; Detailed year-by-year withdrawal strategy PDF Report: $3.75 per transaction (5,000 KRW); Re-simulation with changed conditions: $7.40/month (9,900 KRW/month)

Ecosystem Role: Supplier

MVP Estimate: 2_weeks

NUMR-V Scores

N Novelty

3.0/5

U Urgency

5.0/5

M Market

4.0/5

R Realizability

4.0/5

V Validation

4.0/5

NUMR-V Scoring System

N Novelty	1-5	How uncommon the service is in market context.
U Urgency	1-5	How urgently users need this problem solved now.
M Market	1-5	Market size and growth potential from proxy indicators.
R Realizability	1-5	Buildability for a small team with realistic constraints.
V Validation	1-5	Validation signal quality from competition and demand data.

SaaS N=.15 U=.20 M=.15 R=.30 V=.20 Senior N=.25 U=.25 M=.05 R=.30 V=.15

Feasibility (70%)

Tech Complexity

29.3/40

Data Availability

20.8/25

MVP Timeline

20.0/20

API Bonus

0.0/15

Feasibility Breakdown

Tech Complexity	/ 40	Difficulty of core implementation stack.
Data Availability	/ 25	Practical availability and cost of required data.
MVP Timeline	/ 20	Expected time to ship a usable MVP.
API Bonus	/ 15	Bonus for viable public API leverage.

Market Validation (61/100)

Competition

8.0/20

Market Demand

6.2/20

Timing

16.0/20

Revenue Signals

10.5/15

Pick-Axe Fit

12.0/15

Solo Buildability

8.0/10

Validation Breakdown

Competition	/ 20	Signal quality from competitor landscape.
Market Demand	/ 20	Demand proxies from search and mention patterns.
Timing	/ 20	Fit with current shifts in tech, behavior, and regulation.
Revenue Signals	/ 15	Reference evidence for monetization viability.
Pick-Axe Fit	/ 15	How well the concept serves participants in a trend.
Solo Buildability	/ 10	Practicality for lean-team implementation.

Technical Requirements

Frontend [medium] Backend [medium] Data Pipeline [low]

Dashboard