firenum retirement planner

Added value: +{
+  "description": "Age part_time_income stops (needs birth). Omitted or 100 = for life.",
+  "example": 60,
+  "maximum": 100,
+  "minimum": 30,
+  "type": "integer"
+}

Previous value: -"Age Social Security is claimed (62-70), with pia."New value: +"Age Social Security is claimed (62-70), for social_security (with birth) or pia."

Previous value: -"Annual Social Security income. Starts at the later of retirement and age 67 (uses whichever is known; immediately if neither)."New value: +"Annual Social Security income. Starts at claim_age when sent with birth; otherwise at the later of retirement and age 67 (uses whichever is known; immediately if neither)."

Previous value: -"Each income: its amount, its frequency (monthly, annual, one-time), from (now or YYYY-MM) and until (retirement, never or YYYY-MM), growth."New value: +"Each income: its amount, its frequency (monthly, annual, one-time), from (now, retirement or YYYY-MM) and until (retirement, never or YYYY-MM), growth."

Added value: +{
+  "default": 67,
+  "description": "Age Social Security is claimed (62-70), with pia.",
+  "maximum": 70,
+  "minimum": 62,
+  "type": "integer"
+}

Added value: +{
+  "description": "Dependents' birth years (child tax credit until 17, ACA household size).",
+  "example": [
+    2015,
+    2018
+  ],
+  "items": {
+    "type": "integer"
+  },
+  "type": "array"
+}

Added value: +{
+  "default": true,
+  "description": "With a partner, files jointly. false files as two singles.",
+  "type": "boolean"
+}

Added value: +{
+  "description": "A partner's birth year (YYYY). The partner retires at the same time. Every account and income line stays the first person's.",
+  "example": 1988,
+  "type": "integer"
+}

Added value: +{
+  "description": "Monthly Social Security benefit at full retirement age, from the SSA statement. The planner computes the benefit for claim_age from it.",
+  "example": 2400,
+  "type": "number"
+}

Added value: +{
+  "default": "none",
+  "description": "Roth conversion ladder from the first retired year, each December from traditional accounts into Roth. fill_12 converts up to the top of the 12% bracket; fixed converts roth_conversion_amount a year; aca stays under the ACA premium credit's income limit.",
+  "enum": [
+    "none",
+    "fill_10",
+    "fill_12",
+    "fill_22",
+    "fill_24",
+    "fixed",
+    "aca"
+  ],
+  "type": "string"
+}

Added value: +{
+  "description": "Dollars a year, with roth_conversion=fixed.",
+  "example": 30000,
+  "type": "number"
+}

Added value: +{
+  "default": 72,
+  "description": "Age the conversions stop.",
+  "type": "integer"
+}

Added value: +{
+  "description": "Two-letter US state code (DC too) for state income tax. Without it, federal tax only.",
+  "example": "CA",
+  "type": "string"
+}

Added value: +{
+  "default": "off",
+  "description": "\"us\" computes US federal, state and payroll tax every year (2026 law, carried forward with inflation). Income is then before tax and every amount is in dollars, whatever currency says. \"off\" (the default, any country) takes income as take-home pay.",
+  "enum": [
+    "us",
+    "off"
+  ],
+  "type": "string"
+}

Added value: +{
+  "description": "Off (income is take-home pay), or what US taxes on computes with: the state, filing, dependents and the Roth conversion strategy.",
+  "type": "string"
+}

Previous value: -"Year by year in today's money, the rows and numbers the planner's Table shows (3 significant figures): the first and last years, every 5th year and the retirement year. Net worth is at the end of each year: on average returns, and the 10th percentile, median and 90th percentile of the Monte Carlo simulations and of the backtest's start years, for each model that ran (0 once the money has run out). Income, spending (debt payments not included) and withdrawals are on the average path. `notes` names a part first year and the years that draw on a retirement account while the early withdrawal penalty applies."New value: +"Year by year in today's money, the rows and numbers the planner's Table shows (3 significant figures): the first and last years, every 5th year and the retirement year. Net worth is at the end of each year: on average returns, and the 10th percentile, median and 90th percentile of the Monte Carlo simulations and of the backtest's start years, for each model that ran (0 once the money has run out). Income, spending (debt payments not included) and withdrawals are on the average path. `notes` names a part first year and the years that draw on a retirement account while the early withdrawal penalty applies. With taxes=us, `tax` is the year's federal, state and payroll tax and `tax_rate_pct` its share of the year's income and withdrawals."