Survivor income capital need API

Compute the capital a survivor needs to fund an income stream under both the capital-retention method (income ÷ real return) and the capital-liquidation method (PV of an inflation-growing annuity over the dependency period) — the canonical needs-analysis income approaches. Deterministic. Answers 'how much capital to fund survivor income', 'capital retention vs liquidation', 'present value of survivor income', 'lump sum to replace income'.

Price$0.01per request

MethodPOST

Route/v1/calc/ins-survivor-income

StatusLive

MIME typeapplication/json

Rate limit120/minute

CacheNo cache

calcinsurancesurvivorincomecapitalactuarialannuityneeds-analysis

API URLhttps://x402.hexl.dev/v1/calc/ins-survivor-income

Integration docs

Example request

{
  "annualIncomeNeeded": 50000,
  "years": 20,
  "investmentReturn": 0.05,
  "inflationRate": 0.025,
  "method": "liquidation"
}

Example response

{
  "method": "survivor income — capital liquidation",
  "requiredCapital": 764845.39,
  "capitalRetention": 2050000,
  "capitalLiquidation": 764845.39,
  "realReturn": 0.0244,
  "years": 20,
  "inputs": {
    "annualIncomeNeeded": 50000,
    "investmentReturn": 0.05,
    "inflationRate": 0.025
  }
}

Input schema

{
  "type": "object",
  "required": [
    "annualIncomeNeeded",
    "years"
  ],
  "properties": {
    "annualIncomeNeeded": {
      "type": "number",
      "examples": [
        50000
      ]
    },
    "years": {
      "type": "number",
      "examples": [
        20
      ]
    },
    "investmentReturn": {
      "type": "number",
      "examples": [
        0.05
      ],
      "description": "default 0.05"
    },
    "inflationRate": {
      "type": "number",
      "examples": [
        0.025
      ],
      "description": "default 0.025"
    },
    "method": {
      "type": "string",
      "enum": [
        "liquidation",
        "retention"
      ],
      "examples": [
        "liquidation"
      ]
    }
  }
}

Output schema

{
  "type": "object",
  "additionalProperties": true
}