How RetirementNeuron calculates
RetirementNeuron is retirement-planning software. It estimates household scenarios from the inputs you save and from year-versioned policy rules. The numbers and the AI explanation are separate.
This description covers the product method. It does not publish source code, and it is not a certification of any individual result.
What household inputs does the plan use?
A plan can include people in the household, dates of birth, accounts, income, spending, goals, and saved scenarios. Those values come from what you enter. The software does not replace them with a generic household.
What is a scenario?
A scenario is one set of choices on top of the plan: retirement ages, Social Security claim ages, Roth conversion amounts, spending, and similar assumptions. Comparing scenarios shows how those choices change the estimate. It does not pick a winner for you.
What stays deterministic?
Tax, Social Security, Medicare/IRMAA, required minimum distributions, and Roth conversion math run as explicit calculations for a rule year. The AI Strategist can explain those results. It does not replace the calculated values.
How are Social Security, tax, Medicare, and Roth conversions modeled?
Social Security estimates use the ages and earnings-related inputs in the plan, including a bridge before benefits start. Tax estimates treat traditional withdrawals and Roth conversions as income in the year they occur. Medicare timing follows date of birth, and IRMAA watchpoints follow the modeled income and the published lookback. A conversion table is year by year when a Roth strategy is part of the scenario.
Primary references include the Social Security Administration, the IRS retirement-plan guidance, and Medicare costs. RetirementNeuron summarizes those rules for planning. It does not copy the publications.
What is retirement resilience?
Retirement resilience is a Monte Carlo-style illustration of how often the plan’s spending holds up across modeled market paths. It depends on the returns, inflation, spending, and longevity assumptions in the scenario. A higher result is not a guarantee.
What are the limits?
Results are estimates. They can differ from a tax return, a Social Security award, a Medicare premium, or an investment outcome. State tax detail, individual credits, and facts you did not enter may be missing. RetirementNeuron does not provide individualized investment, tax, legal, Medicare, or Social Security advice.
About RetirementNeuron states who the software is for. The planning guides explain the topics in plain language.