Abstract: A pension-based liquidity management data processing system that supports participant decision making and flexibility with respect to loans, contribution rates, and retirement spending. The system utilizes a simple index to communicate the adequacy of current or planned states in the participants separate pension account. Adequacy is determined relative to actuarial determined estimates which may be adjusted by the participant. The system is provided with safeguard yet removes artificial barriers to pension-based liquidity, loans and retiree spending, allowing each participant the maximum flexibility in optimizing his personal retirement and financial plan. The system interfaces with unsecured credit cards as a disbursement and payment mechanism, thereby preventing pension assets from directly securing credit card charges. Central processing allows multiple credit cards to compete for any participant account.