social-security-timing

POST /api/v1/models/social-security-timing
{
  "monthlyBenefitAt62": 2300,
  "fullRetirementAge": 66,
  "currentAge": 60,
  "lifeExpectancy": 85,
  "annualReturn": 0.06,
  "inflationRate": 0.03
}

{
  "ok": true,
  "model": "social-security-timing",
  "specVersion": "1.0.0",
  "contractUrl": "/api/v1/models/social-security-timing",
  "specUrl": "/api/v1/models/social-security-timing/spec",
  "inputs": {
    "monthlyBenefitAt62": 2300,
    "fullRetirementAge": 66,
    "currentAge": 60,
    "lifeExpectancy": 85,
    "annualReturn": 0.06,
    "inflationRate": 0.03
  },
  "outputs": {
    "benefitAt62": 2300,
    "benefitAtFRA": 3066.6666666666665,
    "benefitAt70": 4048,
    "breakEvenAge62vs67": 78,
    "breakEvenAge67vs70": 82,
    "lifetimeBenefit62": 453806.7597744188,
    "lifetimeBenefit67": 472270.6105502721,
    "lifetimeBenefit70": 467643.0352623214,
    "optimalClaimAge": 67,
    "yearlyData": [
      {
        "age": 62,
        "cumulative62": 26015.64709209162,
        "cumulative67": 0,
        "cumulative70": 0
      },
      {
        "age": 63,
        "cumulative62": 51273.556890238826,
        "cumulative67": 0,
        "cumulative70": 0
      },
      "… 22 more"
    ]
  },
  "sentinels": [],
  "assumptions": [
    "Implements model spec social-security-timing v1.0.0 (dual-implementation verified).",
    "lifeExpectancy must be at least currentAge"
  ],
  "facts": [
    {
      "id": "ssa.claim-at-62.factor.fra-67",
      "label": "Benefit at 62 as fraction of PIA, for FRA 67 (60 months early)",
      "value": 0.7,
      "period": "permanent (birth year 1960+)",
      "source": "SSA, Effect of Early or Delayed Retirement"
    },
    {
      "id": "ssa.delayed-credit-to-70.factor.fra-67",
      "label": "Benefit at 70 as multiple of PIA, for FRA 67 (8%/yr × 3 yrs)",
      "value": 1.24,
      "period": "permanent (birth year 1943+ credit rate)",
      "source": "SSA, Delayed Retirement Credits"
    }
  ],
  "record": {
    "sha256": "50ee3f67ce9b94d0fe38aa0f3dfb654d7bf34510463b4e6b49c049de13db5b8a",
    "fields": [
      "model",
      "specVersion",
      "inputs",
      "outputs"
    ],
    "howToVerify": "Store this record with any advice or agent output built on these numbers. To verify later: build {model, specVersion, inputs, outputs} from the stored response, serialize as JSON with object keys sorted recursively (no whitespace), and SHA-256 it — a match proves the numbers came from this spec version with these inputs, unaltered."
  },
  "disclaimer": "Illustrative planning model, not financial advice. Outputs follow the published model spec exactly; read the spec for assumptions and exclusions before relying on any number."
}