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A 58-year-old office worker faces a sharp drop in monthly income from 4,000,000 KRW (approx. $3,000) to 1,500,000 KRW (approx. $1,125) (National Pension + Retirement Pension) after retirement, but cannot see the full picture of how to reduce current monthly fixed costs (5 insurance policies at 420,000 KRW (approx. $315), 3 telecom lines at 180,000 KRW (approx. $135), 7 subscription services at 90,000 KRW (approx. $67.50), maintenance fees at 250,000 KRW (approx. $187.50), etc.). Reviewing each item individually requires calling each insurance company, telecom provider, and subscription service separately, and verifying cancellation or change penalties and disadvantages takes several days.
A web service where users input current monthly fixed costs, calculates the appropriate fixed cost ratio relative to target post-retirement income, and provides itemized reduction priorities and execution methods. Key features: (1) input and automatic classification of fixed cost items (essential/adjustable/removable), (2) visualization and alerts for fixed cost ratio relative to target income, (3) guidance on reduction methods, expected savings, and cautions (e.g., penalties) per item. Differentiation: not a simple household ledger, but a tool for redesigning fixed cost structures tailored to the specific transition point of retirement.
| 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. |
| 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. |
| 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. |