A self-contained, interactive retirement financial planning dashboard for someone starting at age 60. No build step, no dependencies to install — just open index.html in a browser.
- 4 synchronized charts — portfolio balance, income sources, RMD breakdown, and net cash flow
- Annual / Monthly toggle — flip all charts between yearly and monthly dollar views
- Social Security claim age selector — model the tradeoff between claiming at 62 (70%), 67 (100%), or 70 (124%)
- IRS RMD projections — uses the Uniform Lifetime Table (SECURE 2.0) to calculate mandatory distributions from traditional IRA/401k starting at age 73
- 7 retirement milestones — annotated on the portfolio chart and summarized in the timeline strip at the bottom
- Fully adjustable inputs — starting balance, traditional IRA share, annual spending, SS benefit, return rate, and inflation rate
| Chart | What it shows |
|---|---|
| Portfolio Balance | Total assets over time with milestone marker lines |
| Income Sources vs. Spending | Stacked bars (SS + RMD + portfolio draw) against inflation-adjusted spending line |
| RMD Required Distributions | Mandatory withdrawals from traditional accounts (age 73+) vs. spending target |
| Net Cash Flow | Annual surplus (green) when SS + RMD covers spending; deficit (red) when portfolio draw is needed |
| Age | Event |
|---|---|
| 60 | Current age — catch-up IRA/401k contributions; penalty-free 401k access if separated from service |
| 62 | Earliest Social Security eligibility (70% of FRA benefit) |
| 65 | Medicare Parts A & B enrollment |
| 67 | Full Retirement Age (born 1960+) — 100% SS benefit |
| 70 | Maximum SS benefit (124% FRA) — no further increase after this |
| 73 | Required Minimum Distributions begin (SECURE 2.0) |
| 85 | Longevity planning horizon — long-term care costs typically peak |
- SS COLA of 2.5%/year after claiming
- Spending grows with inflation from age 60
- RMD calculated from the traditional IRA/401k share of the portfolio
- SS multipliers: 62 → 70%, 67 → 100%, 70 → 124% of FRA benefit
- No state/federal tax modeling (pre-tax)
open index.html # macOS
start index.html # Windows
xdg-open index.html # LinuxOr serve locally:
python3 -m http.server 8080
# then open http://localhost:8080- Vanilla HTML / CSS / JavaScript (no framework)
- Chart.js 4.4.1 via CDN
- chartjs-plugin-annotation 3.0.1 via CDN
- IBM Plex Sans + IBM Plex Mono + Playfair Display via Google Fonts
MIT