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Social Security Calculator - Early Retirement, but waiting until 67 to take benefit
2 projects | reddit.com/r/retirement | 23 Mar 2023
Try http://opensocialsecurity.com/, but you'll need your ss history from ssa.gov.
My father turns 65 next month. Should he take SS or work 3 more years to earn more benefits?
2 projects | reddit.com/r/personalfinance | 16 Mar 2023
Dad would be smart to experiment with https://opensocialsecurity.com/ before making a claiming decision. It wouldn't be surprising if he should delay starting his benefits until 70.2 projects | reddit.com/r/personalfinance | 16 Mar 2023
Any suggestion for in-depth, free, financial planning tools?
3 projects | reddit.com/r/Fire | 14 Mar 2023
https://ssa.tools/ and https://opensocialsecurity.com/
Calculating social security benefits
2 projects | reddit.com/r/retirement | 28 Feb 2023
You will need to log into ssa.gov as recommended previously and see if there are enough credits from work history. There are some tools on the SSA site but for scenarios or what ifs https://opensocialsecurity.com is good, also https://ssa.tools/ is good as well.
Can my SO retire at 62, and then receive spousal benefits once I retire?
2 projects | reddit.com/r/retirement | 23 Feb 2023
Try using https://opensocialsecurity.com to simulate different scenarios2 projects | reddit.com/r/retirement | 23 Feb 2023
u/mgalactico mentioned the http://opensocialsecurity.com site, and that's the tool to use here. You will need to both register at SSA.gov and learn what your estimated benefits actually are. Then you can plug in the numbers.
SSN - how does it work?
2 projects | reddit.com/r/Fire | 12 Feb 2023
2 projects | reddit.com/r/retirement | 7 Feb 2023
Open Social Security – helps decide optimal withdrawal ages for spouses https://opensocialsecurity.com2 projects | reddit.com/r/retirement | 7 Feb 2023
Successful Compiling COIN-OR CBC solver with Python Pulp ARM64
2 projects | reddit.com/r/termux | 26 Sep 2022
To use CBC (https://github.com/coin-or/Cbc) we need to compile it. Get source code from following address instead of github, this archive include all dependencies as well which will be compiled as well (if missing)
Show HN: I built a simulator for personal finance: ProjectionLab
3 projects | news.ycombinator.com | 19 Apr 2022
I've looked at it a little bit, but as someone nearing retirement, it is lacking a number of features that I would like.
There are some common tricks that I don't see how to model with ProjectionLab:
1. Do your tax-deferred 401k,403b,IRA saving in a high earning job, state, then move to a low or no income tax state to do the withdrawals in retirement.
2. Retire early so there is some time before taking social security payments to do Roth Conversions. I-ORP turns this into a branch and cut linear optimization problem. User Indyhou at Bogleheads has built a spreadsheet that uses a solver plugin. It may be possible to build a model in CBC and compile it to WASM and run it in the browser.
3. After turning 63, watch the Roth Conversions to make sure you don't trigger IRRMA medicare surcharges.
4. Are you trying to stay under income limits for ACA subsidies? It's not quite the sharp cliff that it was, but can be important for some.
5. Are you trying to balance regular income and capital gains to take advantage of the 0% cap gains rates? You've got to plan ahead on your contributions to the taxable and tax deferred accounts for this to work. Jeremy at Go Curry Cracker has written about using this to pay $0 in US Federal Income taxes.
6. Paying full rate for health insurance will likely get you over the 7.5% limit for tax deductions.
7. Social Security claiming strategies can be complex for married couples.
A feature that would be useful during accumulation is life insurance planning for the death of a spouse.
The death of a spouse can throw a wrench in some of the strategies since the single tax bracket is much smaller. Tax law changes can also upset highly optimized strategies. So any highly optimized strategy should also have a monte carlo simulation around a spouse dying and tax law changes to understand what disruptions are possible and maybe accept a non-optimal strategy that is better in these adverse cases.
What are some alternatives?
plaintextaccounting - The plaintextaccounting.org website, a portal to Ledger, hledger, beancount and co. Also the PTA wiki.
ec2-retirement-bulk-fix - A tool that lists EC2 instances scheduled for retirement and optionally stop/start all in bulk
retire-at-35 - :dart: Principles of "Retire at 35"
social-security-tools - Website Source for https://ssa.tools/
end-game - Personal finance simulator for retired Canadians.