Disclaimer

Not Financial Advice

This calculator is provided for educational and informational purposes only. It is not intended as, and should not be construed as, financial, tax, legal, or investment advice. The results produced by this tool are estimates based on simplified models and assumptions that may not reflect your actual financial situation.

Model Limitations

The calculator uses simplified approximations including flat effective state tax rates, straight-line real returns for the deterministic projection, lognormal returns without fat tails for Monte Carlo simulation, and proportional or pre-tax-first withdrawal strategies that may not match your optimal tax plan. Required minimum distributions use the IRS Uniform Lifetime Table and split the pre-tax balance 50/50 between spouses as an approximation. Social Security benefits are adjusted for claiming age but do not account for earnings history changes, spousal/survivor benefit optimization, or the earnings test in full detail.

Consult a Professional

Before making any financial decisions based on the output of this tool, consult with a qualified fee-only financial planner, certified public accountant, or other licensed professional who can evaluate your complete financial picture.

No Warranty

This tool is provided “as is” without warranty of any kind, express or implied. The authors and operators of this website are not responsible for any errors, omissions, or any losses, injuries, or damages arising from its use.