How FlorinDash estimates a plan

Model review: September 5, 2026. Financial correction release: audit M1–M10.

Start with your own verified balances, take-home pay, expenses and benefit statements. A scenario is only as reliable as those inputs and the assumptions it applies.

Cash and debt

Current spendable cash uses reviewed take-home pay or complete payroll deductions. Gross salary remains available for benefit and tax estimates. Savings already deducted from pay are reconciled to avoid counting them twice. Debt comparisons apply the same monthly budget to both strategies and retain unpaid principal.

Household retirement

Account ownership controls contribution and required-distribution timing. The first household retirement begins the retirement spending phase. A spouse's continuing earnings can offset expenses. Historical retirement wealth is not reconstructed when your retirement predates the current plan.

Taxes and conversions

Long-range ordinary tax uses a representative rate, not complete annual progressive tax calculations. Capital gains use a representative taxable-withdrawal rate without individual tax-lot basis. Current-year tax estimates and long-range projections have different scopes. Future bracket values are held at 2026 levels; the temporary enhanced senior deduction applies only to its 2025–2028 window. Conversion amounts may be capped when the modeled tax funding is insufficient.

State and local taxes, detailed Medicare IRMAA, specialized RMD tables and all early Roth withdrawal rules are not fully modeled. Add your own expense provision where appropriate and seek verification for affected decisions.

Pensions and Social Security

Prefer official statement-derived benefit amounts. Federal pension estimates remain conditional on qualifying service and applicable retirement rules. Unsupported FSPS pathways are excluded. Where earnings-test treatment is unresolved, use a verified net supplement instead of assuming the full estimated amount.

Probability and funding

Monte Carlo results describe simulated outcomes under chosen return and volatility assumptions. The funded percentage measures whether modeled cash obligations were met throughout each path. Portfolio survival is a separate measure. Neither percentage is a prediction of your personal likelihood of success.

Rule references

• IRS Schedule 1-A senior deduction worksheet
• IRS required minimum distributions
• Social Security benefit statements
• OPM supplement earnings survey guidance

Settings contains further assumptions. Review warnings beside your projection before using a result.