Shared inputs

Your profile

Enter your household, accounts, and income once — the planner and the calculator both read from here. Saved in your browser.

Household

Name / ID

Date of birth

State

Retirement age

Retirement month

Retirement age & month is when wages / self-employment stop — the month is the number of months after the birthday (0 = the birthday month), shown with the calendar month it lands on. That year's wages count only through the month before. Pick Already retiredif they've stopped working already. The portfolio funds the gap between retiring and claiming Social Security (which can be later); other income (pensions, etc.) continues. State income tax is modeled for CA, NY & PA (and the no-income-tax states FL, TX, WA); other states assume $0 state tax.

Filing status

SpouseInclude a spouse

Accounts

Account Name

Type

Owner

Balance $

Model a 72(t) SEPP election?Yes

Account Name

Type

Owner

Balance $

First contribution year

Direct contributions $

Account Name

Type

Owner

Balance $

Cost basis $ (for capital-gains realization)

Basis lots (optional — for specific-lot gains)

Lot ID

Acquired

Cost basis $

Current value $

Lot ID

Acquired

Cost basis $

Current value $

Lot ID

Acquired

Cost basis $

Current value $

Account Name

Type

Owner

Balance $

Unreimbursed qualified expenses $

Income

Kind

Owner

Annual $

Description

Starts at age

Ends at age

Owner's age. Blank = from the start / through your plan-through age.

Kind

Owner

Annual $

Description

Starts at age

Ends at age

Owner's age. Blank = from the start / through your plan-through age.

Spending & goals

Essential spending $/yr

Lifestyle spending $/yr

Legacy goal $

Essentials are must-haves; lifestyle is discretionary on top; legacy is a bequest you want to leave. The planner funds these as tiers and reports a funded ratio for each.

Social Security

Your benefit at FRA $/yr (PIA, today's dollars)

Claim age

Marcus: pays from age 67 through age 95.

Auto-filled from the claim age and your plan-through age — no need to enter Social Security as a dated income row.

Benefits pay $0 until the claim age, then a percentage of your PIA — 70% at 62, 100% at FRA (67), 124% at 70 — COLA-adjusted each year. Leave blank if SS doesn't apply. The planner can model which claim age produces the highest after-tax wealth in your projection.

Planning assumptions

Expected return %/yr (nominal)

Inflation %/yr

Plan through age

A single deterministic return and inflation rate drive the planner's projection (no Monte Carlo). Longevity sets how many years the plan covers.

Used across the planner and the calculator.