Every number has an audit trail. Breaks down each projection year: income composition, bracket walk, withdrawal logic, surplus reconciliation.
Diet COLA, SRS bridge
Per-person income phasing, MFJ→Single transition, SSA and FERS survivor benefits
Sized by bracket arithmetic, with IRMAA cliff awareness in the withdrawal loop
Per SECURE 2.0 start ages, folded into the withdrawal loop before discretionary withdrawals
Modeled in the state you'll actually retire to, not where you work now
Run multiple retirement strategies against each other
IRC §86 provisional income formula. Solver accounts for how 401k draws shift SSA into the taxable tier.
N=1,000 paths per run, seeded PRNG. Per-year P10/P50/P90 band overlay. Success rate and Long Term Care (LTC) preservation rate.