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Post-Retirement Monthly Cash Flow Planner

4.00

Derivation Chain

Step 1 Job insecurity in the AI era
→
Step 2 Acceleration of early retirement among 50s
→
Step 3 Designing diversified income sources after retirement
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Step 4 Optimizing after-tax cash flow by combining pension, earned income, and financial income

Problem

A 57-year-old early retiree needs to combine National Pension (with choice of start date), retirement pension (lump sum vs. annuity), personal pension, part-time earned income, and financial income to secure 3.5 million KRW (~$2,625) per month for living expenses. Since each income source has different tax brackets and health insurance premium calculation criteria, changing the combination can result in a difference of 500,000-800,000 KRW (~$375-600) per month in after-tax take-home pay. Currently, the only way to optimize this combination is through a paid financial planner (300,000-500,000 KRW (~$225-375) per session), and doing it yourself requires visiting three websites (National Pension Service, National Tax Service, and National Health Insurance Service) and takes 5-6 hours.

Solution

On the web, (1) input expected pension amount, severance pay, financial assets, and desired earned income, then (2) automatically calculate monthly after-tax take-home pay and health insurance premiums for scenarios such as age 60, 62, and 65, and (3) present the top 3 optimal combinations in a comparison table. A realistic simulation that reflects National Pension start date, retirement pension payout method, and separate taxation criteria for financial income.

Target: Aged 55-62, planning retirement from large corporations or public enterprises or just retired, currently planning post-retirement finances with a spouse, and middle-class individuals who find financial planner fees burdensome.
Revenue Model: Basic simulation (1 scenario) is free. Comparison of 3 scenarios + PDF report download: 5,000 KRW (~$3.75) per transaction. Monthly subscription for unlimited simulations: 9,900 KRW (~$7.43) per 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 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.
N=.15 U=.20 M=.15 R=.30 V=.20

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/ 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 (60/100)

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
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

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