NaluMoney Retirement Projection Methodology

In-app summary: Settings → Methodology (synced with this document version).
Recent material changes (2026.06.10)

• WEP/GPO repeal (Social Security Fairness Act, PL 118-273) — no longer applied for benefits payable Jan 2024+.

• ACA 400% FPL cliff restored — ARPA/IRA enhanced subsidies expired 2025-12-31.

• MC bucket withdrawal tax gross-up — deficit draws fund their own tax in tax-bucket mode.

• LTC probability — 0 = never; legacy decode defaults to 1.0.

• Joint Life RMD — IRA-aggregated pool only in per-pool Monte Carlo aggregation.

• 2026 PIA bend points corrected to official SSA values ($1,286 / $7,749).

• OBBB senior bonus phaseout, per-spouse — $6,000 per eligible person 65+ ($12,000 MFJ both 65+), phasing out at 6% of MAGI above $75,000 single / $150,000 joint, data-driven from federal JSON. MAGI proxy errs conservative.

• Social Security COLA SSOT — single 2.2% long-run COLA constant referenced by all benefit and withdrawal paths.

• Savings snapshot — onboarding total-savings estimate; the derived unallocated remainder feeds Monte Carlo as a pre-tax bucket (conservative) and auto-retires as real accounts are added.