If start month is after January, year 1 spend is prorated for the remaining months. Both people share the same plan start.
Accounts
Person 1
Person 2
Economics & Spending
Social Security
Claim age: —
Claim age: —
Monthly FRA benefit in today’s dollars. Claim age is calculated from birth and claim dates. First-year benefits are prorated from the claim month through December.
Roth Conversions
Earned Income (first 10 years)
Gross earned income — added to cash flow and MAGI.
Annual Overrides
Blank = default / Smile path
Year
Return %
Spend Mult
Save downloads a JSON scenario file. Load restores inputs and re-runs.