Retirement Decision Dashboard

SHANDA · DOB JULY 8, 1968 · PLANNING TO AGE 104
Target retirement: age 70 (2038)
Portfolio & Home
Set to $0 if not currently contributing. Any amount compounds from the start age through retirement and updates every section of the dashboard.
Social Security
Update these any time your SS.gov estimate changes. Your estimate is based on past income -- as that changes, update each age. SS cannot be claimed before 62. CA does not tax SS.
Retirement Expenses (today's $)
Medicare uses Part B ~$185 + Part D ~$50 + Medigap Plan G ~$200 + dental/vision ~$70 + Part A $0 (confirmed 40 quarters).
Income Toggles
off
off
SS Cut Stress Test
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Simulates the projected cut if Congress takes no action before the OASI trust fund depletes in 2033. Reduces your benefit by 23%.
Reverse Mortgage (HECM)
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Compares HECM LOC opened at 70 vs. never. Prior analysis recommends HECM at 70 — toggle to see the difference with your current inputs.
LOC grows on the unused portion at the HECM rate. Leave draw at $0 to use as emergency reserve only — it earns you nothing but grows available.
Showing today's dollars. All figures use current purchasing power — the numbers you already know. Toggle to "2038 $" to see what everything inflates to by the time you retire. Both views inflate income AND expenses together so nothing is shown out of context.

Retirement Age Comparison

Click an age to see your monthly cash flow at that retirement date. All four ages shown in the summary table below.

All Ages at a Glance

Monthly surplus or shortfall at each retirement age, with your current toggle settings applied.

Line Item Age 62 (2030) Age 63 (2031) Age 64 (2032) Age 65 (2033) Age 66 (2034) Age 67 (2035) Age 68 (2036) Age 69 (2037) Age 70 (2038)

Reverse Mortgage Decision

HECM line of credit at age 70 vs. never opening one. Toggle "Open HECM LOC at 70" on the left to see the side-by-side comparison update live.

Social Security Cut Impact

What a 23% SS cut starting in 2033 does to your monthly picture at each retirement age. Toggle the cut on the left to apply it across all views, or read this section for the side-by-side comparison.

HECM Gap Coverage Tool

For each year from retirement to 104 where your income (SS + IRA at SWR + roommate + gift) falls short of expenses, enter how much to draw from the HECM line of credit that year. The IRA draw is fixed at your SWR amount and never changes -- the HECM is the only lever here.

If You Need Care — HECM vs. No HECM

All four scenarios below show what happens to your money if care becomes necessary, comparing opening the HECM at 70 vs. never opening it. All figures in today's dollars unless toggled otherwise. Care assumed to start at age 80.

Age care starts
Part-time aide hrs/day (in-home)
Home care rate ($/hr, OC 2026)
Assisted living/mo (OC 2026)
OC 2026 data: licensed home care agencies charge $38-$45/hr. Assisted living ranges $6,500-$10,000/mo. Default rate $41/hr is midpoint. Full-time care (8hrs/day) = ~$10,004/mo at that rate.

Lifetime Projection — Age to 104

Uses your selected retirement age and all current dashboard settings. Shows income, expenses, surplus or shortfall, and running IRA and HECM balances every year from retirement to 104. Everything updates when you change any input or toggle.

IRA Contribution Impact

Set a monthly contribution amount and start age in the left panel. This shows how contributions change your IRA balance at each retirement age and ripples through to SWR income and surplus at every age.