Estimated payoff date for each debt at its current minimum payment alone — no extra payments assumed. Mortgages and HELOCs are included here even though they're excluded from the Payoff Plan optimizer below by default.

Compares 3 strategies for whatever debts are marked "Include in Payoff Plan" above: Minimum Payments Only (baseline), Snowball (smallest balance first), and Avalanche (highest interest rate first — mathematically minimizes total interest). Once a debt is paid off, its minimum payment rolls into the next one, same as real snowball/avalanche calculators.

Based on entered Income Sources + Debts only. Life = total debt + 10x annual income (a debt-plus-income-replacement variant of DIME; dependents/education aren't modeled anywhere in this app). Disability = 60% of annual income, the standard long-term-disability issue-limit convention, not full replacement. Income Sources here is summed regardless of start_age — if a client's real current salary isn't reflected there yet, add a rough entry for it or this will understate the need.

Checking a Social Security source no longer zeroes it out — if the other spouse has their own active SS source on file (opposite Owner), the survivor's benefit steps up to whichever of the two is higher, matching real survivor rules at a simplified level (no government pension offset, remarriage, or restricted-application claiming nuance). Checking a pension reduces it to its survivor continuation % instead of zeroing it — set that % on the Income Sources page (0 = single life). Both require the income sources' Owner field (Primary/Spouse) to be set correctly — go set that on Income Sources first if it isn't. Everything else (wages, business income) still stops entirely, as before.

Only account balances reflect this scenario — the year-by-year Income figure elsewhere in the app won't visibly drop, since this models the lost contributions and any disability benefit as account-level events, not a change to Income Sources. No group/employer disability coverage is assumed unless it's entered as its own Disability policy.

A simple exposure check, not a projection — compares net worth (what a liability judgment could reach) against Umbrella Liability coverage on file.

Enter the PIA directly from each person's actual SSA statement — this tool applies the real early/delayed-claiming adjustment formula to that number, it does not estimate the PIA itself (no SSA API integration). When a spouse is on file, each person's table shows their own independent benefit at each age — this does not compute joint/spousal Social Security rules (50%-of-PIA spousal benefits, survivor benefits, restricted application), which are genuinely complex; consult an SSA claiming specialist for those.

Every lever is applied as a delta against this client's own real assumptions and accounts already on file — nothing here is a fabricated absolute. Answers "what happens if I retire earlier," "spending is higher," "returns are lower," or "I pay off the debt" — alone or combined.

One-at-a-time sensitivity analysis, not causal attribution — each variable is tested alone, holding everything else fixed, to see how far it alone can move simulated plan success. It ranks which variables the plan is most sensitive to; it does not prove what's "causing" any result.

Each action below is tested alone through the same Monte Carlo engine as everything else on this page — these are simulated outcomes under the model's stated assumptions, not guaranteed advice.