Retirement income

Income & tax at the first spouse's death

Models the survivor's cliff: the surviving spouse keeps the larger Social Security benefit (the smaller stops — the SS survivor step-down), loses the deceased's own income, and switches from MFJ to single filing, whose narrower brackets tax the remaining income harder (bracket compression). Composes the tax and (optional) IRMAA engines. Deterministic.

post/v1/retirement/survivor-scenario

Request

  • Base URL: https://api.numeratica.com
  • URL: https://api.numeratica.com/v1/retirement/survivor-scenario
  • Auth: one of:
    • HTTP bearer
    • API key in header X-API-Key

Request body

tax_year2025 | 2026 required
deceased_spouse'a' | 'b'

Which spouse dies first.

shared_ordinary_incomenumber

Income that continues to the survivor (portfolio, joint annuity).

on_medicareboolean

Report IRMAA surcharges in both scenarios.

Example request

{
  "tax_year": 2025
}

Response

Survivor comparison

result_idstring
engine_versionstring
disclaimerstring

Example response

{
  "result_id": "surv_1a2b3c4d5e6f7a8b",
  "engine_version": "survivor-1.0.0",
  "inputs": {
    "tax_year": 2025
  }
}

Changes

No recorded changes to this operation across all 1 revision of this API.