Claude Opus 5.5 (effort default (no --effort flag) · thinking on) on Work backward from a retirement budget to a savings target, contributions and earliest retirement age

AClaude Opus 5.5default · thinking on · Claude Code 2.1.299 (headless -p) · cloud · 2026-10-20 · by @bobsiopener

Trust 80%Fully autonomoussuccess · first tryCompare

Estimated cost: $0.11
Wall time: 19s
Human step-ins: 0
Outcome: Pass

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Exact prompt

# Work backward from a retirement budget: savings target, contributions and earliest retirement age `input.json` describes a saver (synthetic numbers). Write `solve.py` (Python 3 standard library only) so that `python solve.py input.json answer.json` computes how much they need, how much they must save each year, and the earliest age they could retire. We re-run it on fresh inputs, so do not hard-code anything. ## Input `current_age`, `retire_age`, `end_age` (integers), `spend_today` (yearly spending in today's dollars), `inflation`, `return_pre` (yearly return before retirement, never 0), `return_post` (after), `current_savings`, `gross_income`, `actual_contribution` (what they save per year now), `part_time_income_today` (yearly part-time income in today's dollars), `part_time_years`. ## Rules 1. For a retirement age A, the first retirement year's spending is S = `spend_today * (1 + inflation) ** (A - current_age)`; spending in retirement year k (k = 0 .. end_age - A - 1) is S * (1 + inflation) ** k. 2. Part-time variant: income in retirement year k is `part_time_income_today * (1 + inflation) ** (A - current_age + k)` for k < `part_time_years`, else 0. The withdrawal is max(0, spending - income). 3. Withdrawals happen at the start of each retirement year. The **target** for age A is the sum over k of withdrawal_k / (1 + return_post) ** k (no part-time income), and **target_with_part_time** uses rule 2. 4. Saving: with m = A - current_age and g = (1 + return_pre) ** m, the projected savings at A with a level contribution C at the end of each year is `current_savings * g + C * (g - 1) / return_pre`. 5. `required_contribution` = the C that makes the projection equal the target for A = `retire_age`, but never below 0; the same with the part-time target gives `required_contribution_with_part_time`. `required_savings_rate` = required_contribution / gross_income (6 decimals). `projected_at_retire_age` = the projection with C = `actual_contribution`. 6. `earliest_retire_age` = the smallest integer A from current_age + 1 to end_age - 1 where the projection with `actual_contribution` >= the target for that A; `null` if none. `earliest_retire_age_with_part_time` does the same against the part-time target. 7. Round money to 2 decimals only when writing. ## Output `answer.json` keys: `target`, `target_with_part_time`, `required_contribution`, `required_contribution_with_part_time`, `required_savings_rate`, `projected_at_retire_age`, `earliest_retire_age`, `earliest_retire_age_with_part_time`. ## Scoring Hidden checks (partial credit = fraction passed; all must pass), money within 0.011, rate within 0.000001, ages exact: `savings_target`, `part_time_target`, `required_contributions`, `earliest_ages` on the given input; `fresh_run_1` and `fresh_run_2_edge_cases` (all keys; the second input has part-time income above spending and a small contribution) on fresh inputs. Each run has a 60-second limit.

Start-of-year withdrawals discounted at the post-retirement return, part-time income inflated from today and floored at zero withdrawals, end-of-year contribution annuity, and a per-age search where the target moves with the age. Original benchmark task written for usecaserank.com (not based on a specific public post). Headless, offline run on a reproducible fixture. Each run's notes say how its cost was measured (estimates are marked).

These are synthetic test cases for comparing AI models, not financial advice.

Success criteria: 1. savings_target 2. part_time_target 3. required_contributions 4. earliest_ages 5. fresh_run_1 6. fresh_run_2_edge_cases

Setup notes: Use Case Scout batch 9 case j04-reverse-retirement-plan (offline fixture). Prepared with batch9/prepare.sh; hidden key/tests kept outside the agent's work dir. Prompt = TASK.md verbatim. Scored with the scout's scorer: `python score.py WORKDIR KEYDIR`. Tools: Read/Write/Edit/Glob/Grep/Bash, web disabled. Single run, no retries. Claude Code's own reported cost for claude-opus-5.5: $0.107301. Score: 6/6. Cost is an ESTIMATE: measured tokens x pricing.json list price (Claude Pro subscription, nothing billed); input_tokens include cache reads and writes. Single run.

Estimated cost List-price estimate; not actually billed.

Metrics

Estimated cost: $0.11
Wall time: 19s
Human step-ins: 0
Turns: 4

Model usage
Model	Input tok	Output tok	Cost
AClaude Opus 5.5anthropic/claude-opus-5.5effort default (no --effort flag) · thinking on	57,364	1,696	$0.11

Reproduce this run

Use the use case prompt on the use case page.
Same setup: Claude Opus 5.5 (anthropic/claude-opus-5.5, effort default (no --effort flag) · thinking on) via Claude Code 2.1.299 (headless -p), cloud.
It counts as a success only if it meets every success criterion: 1. savings_target 2. part_time_target 3. required_contributions 4. earliest_ages 5. fresh_run_1 6. fresh_run_2_edge_cases
Log model, tokens, wall time, human step-ins and the evidence log, then submit it as a reproduction. A different model? Submit a head-to-head rerun.

How runs are scored: Methodology.

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Automated checks

Trust 80% comes from these checks (how Trust % works).

Run date is not in the future : passed
Model is in the dated pricing table : passed
Cost recomputed from tokens matches : passed
Cached tokens are consistent : passed
Output throughput is plausible : passed
Autonomy matches step-ins : passed
Step-ins do not exceed turns : passed
Retries agree with first-try result : passed
Evidence log SHA-256 matches : passed
Evidence log is substantial : passed

Evidence log

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  "result": "I wrote `solve.py` and ran it on the given `input.json`. It wrote this `answer.json`:\n\n| Key | Value |\n|---|---|\n| `target` | 5,225,054.28 |\n| `target_with_part_time` | 4,723,009.09 |\n| `required_contribution` | 121,801.85 |\n| `required_contribution_with_part_time` | 109,953.72 |\n| `required_savings_rate` | 0.951577 |\n| `projected_at_retire_age` | 2,606,301.40 |\n| `earliest_retire_age` | 67 |\n| `earliest_retire_age_with_part_time` | 65 |\n\nThere's nothing to compare these numbers against, so their correctness isn't confirmed beyond the code following the rules as written. I haven't tried it on other inputs, including one like the second hidden test where part-time income exceeds spending.\n\nThe answer makes sense: they save 60,000 a year, but retiring at 56 would take about 121,800 a year, roughly 95% of their income. With what they save now, the earliest they could retire is 67, or 65 with part-time work.\n\nHow the script handles the edge cases:\n- **Part-time income above spending:** that year's withdrawal is set to 0 instead of going negative, as rule 2 says.\n- **Already have enough saved:** the required contribution is set to 0 instead of going negative, and the savings rate is calculated from that 0.\n- **No age works:** the earliest-age keys are written as `null`.\n- **`gross_income` of 0:** the rules don't cover this, so I chose to write the savings rate as 0 rather than let the script crash.\n\nValues are kept at full precision and only rounded when the file is written.",
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