About When 2 Retire

A practical retirement planning workspace created and managed by Ironworks Tech LLC.

When2Retire.com is built for self-directed planners who want to see how salary, savings, household budgets, Social Security, medical costs, taxes, inflation, withdrawals, and market uncertainty can interact over time. The goal is not to promise a perfect retirement number. The goal is to make assumptions visible enough that users can ask better questions and revisit the plan as life changes.

Version 0.2.4-demo (2026-06-18) (DS916+ Demo)

Contact and privacy

Signed-in users can submit support and feedback requests from the Account area. Privacy, cookies, planner data, and Google advertising disclosures are described in the Privacy Policy.

Important planning disclaimer

The tools and projections provided by When 2 Retire are for educational and planning purposes only. They are not financial, investment, tax, legal, or accounting advice, and they do not guarantee future performance or retirement outcomes. Results depend on user assumptions, market performance, inflation, tax rules, contribution limits, personal circumstances, and other factors that may change over time.

Recent updates

Version 0.2.4 - 2026-06-17

Fixed mobile planner module toggles so hidden modules stay hidden and signed-in Scenario, Savings, and Budget visibility changes persist correctly.
Tightened the iPhone Retirement Planner header so module icons fit on one row below the scenario selector.
Replaced text-heavy navigation and planner action controls with icon buttons across public, account, and planner pages.
Added icon states for Scenario, Budget, Savings, Income, and Monte Carlo module toggles, including active and locked states.
Added icon buttons for scenario actions such as New, Duplicate, Default, Delete, and History.
Refined sign-in, sign-up, sign-out, and account wording around the updated icon navigation.
Paused Monte Carlo auto-refresh while the Monte Carlo module is hidden.
Updated DS916+ Demo restricted admin/staff access to use direct LAN source addresses instead of trusted forwarded headers.

Source links

These public references are useful for checking source material and learning more about facts used in When 2 Retire planning assumptions. Rules and published figures can change, so users should review the original sources when making planning decisions.

Social Security retirement credits SSA information on credits, eligibility, and how workers earn credits.
Social Security benefit amounts SSA explanation of average indexed monthly earnings, the 35-year earnings calculation, and benefit formulas.
Social Security early retirement reductions SSA explanation of how claiming before full retirement age can reduce monthly benefits.
Social Security delayed retirement credits SSA explanation of how delaying after full retirement age can increase benefits until credits stop.
Social Security family benefits SSA overview of spouse and family benefit concepts.
Social Security survivor benefits SSA overview of benefits that may apply after a worker or spouse dies.
IRS retirement contribution topics IRS information about contribution rules and limits for retirement accounts.
IRS Revenue Procedure 2025-32 IRS 2026 inflation-adjusted tax items, including ordinary tax tables, standard deductions, and long-term capital gains thresholds used by the planner's tax reference tables.
IRS Publication 590-B IRS required minimum distribution guidance, including the Uniform Lifetime Table used by the Scenario Income Reference Tables.
IRS Publication 915 IRS guidance on Social Security benefit taxability and provisional income thresholds.
SSA IRMAA sliding scale tables SSA Medicare Part B and Part D income-related monthly adjustment amount tables, including 2026 IRMAA tiers.
NYU Damodaran historical returns Historical annual returns for stocks, bonds, T.Bills, and inflation used to inform the Monte Carlo historical return reference table.
BLS Consumer Price Index Bureau of Labor Statistics inflation data used to understand purchasing power over time.

Version	Date	Notes
0.2.4	2026-06-17	Fixed mobile planner module toggles so hidden modules stay hidden and signed-in Scenario, Savings, and Budget visibility changes persist correctly.
0.2.4	2026-06-17	Tightened the iPhone Retirement Planner header so module icons fit on one row below the scenario selector.
0.2.4	2026-06-17	Replaced text-heavy navigation and planner action controls with icon buttons across public, account, and planner pages.
0.2.4	2026-06-17	Added icon states for Scenario, Budget, Savings, Income, and Monte Carlo module toggles, including active and locked states.
0.2.4	2026-06-17	Added icon buttons for scenario actions such as New, Duplicate, Default, Delete, and History.
0.2.4	2026-06-17	Refined sign-in, sign-up, sign-out, and account wording around the updated icon navigation.
0.2.4	2026-06-17	Paused Monte Carlo auto-refresh while the Monte Carlo module is hidden.
0.2.4	2026-06-17	Updated DS916+ Demo restricted admin/staff access to use direct LAN source addresses instead of trusted forwarded headers.
0.2.3	2026-06-15	Added Retirement Planner Help content for module usage, Social Security planning, savings-rate planning, inflation, and today's-dollar versus future-dollar interpretation.
0.2.3	2026-06-15	Added a Help navigation link in the Retirement Planner workspace.
0.2.3	2026-06-15	Added About page source links for Social Security, inflation, tax, Medicare IRMAA, RMD, and historical return reference data.
0.2.3	2026-06-15	Improved public page crawler and mobile compatibility metadata for AdSense review.
0.2.3	2026-06-15	Refined the top responsive AdSense placement so it centers on desktop and reserves a smaller banner height on mobile.
0.2.2	2026-06-07	Corrected Savings Planner and Income Planner partial-retirement handling so partial salary replaces full salary and Income projections start at partial retirement when applicable.
0.2.2	2026-06-07	Fixed the Planned Income Estimator dialog launch and aligned its lifestyle-income baseline with pre-partial-retirement income when partial retirement is configured.
0.2.2	2026-06-07	Kept AdSense active by default for demo/production environments while preserving the premium-upgrade fallback for test systems.
0.2.2	2026-06-07	Preserved account profile name edits across logout and login instead of resetting them from the sign-in provider.
0.2.1	2026-06-04	Renamed Monte Carlo Guided Range to Random Range and refined Scenario/Income shared input sections into conjoined table-style grids.
0.2.1	2026-06-04	Reworded account sign-in and recovery failure messages to avoid exposing implementation-provider details.
0.2.1	2026-06-04	Refined Scenario name and Shared Assumptions inputs to match the compact table-style Scenario editor sections.
0.2.1	2026-06-04	Refined Monte Carlo summaries with value hints, chart legend hints, tighter spacing, and clearer negative balance styling.
0.2.1	2026-06-04	Preserved guest Income Planner and Monte Carlo input edits across refreshes during the temporary guest window.
0.2.1	2026-06-04	Added per-simulation Monte Carlo detail persistence, worst performance simulation detail, and more compact Monte Carlo module sizing.
0.2.0	2026-06-03	Added a Budget module expense breakdown pie chart with selectable-age expense subtotals, darker legend text, and highest-to-lowest expense ordering.
0.2.0	2026-06-03	Refined Monte Carlo behavior, header controls, collapse persistence, and added a contrasting balance path chart.
0.2.0	2026-06-03	Added expandable Monte Carlo median simulation year-by-year detail below the chart.
0.2.0	2026-06-03	Updated Monte Carlo assumptions to use shared inflation and Scenario investment return rates while keeping variance controls.
0.2.0	2026-06-03	Split Monte Carlo success display into depletion-only success and reserve-or-depletion success.
0.2.0	2026-06-03	Persisted the Monte Carlo automatic simulation On/Off setting with scenario data, defaulting to On.
0.2.0	2026-06-03	Improved login error handling when the app session endpoint returns a non-JSON server response.
0.2.0	2026-06-03	Added hover hints to Scenario editor labels and tax/reference table headings.
0.1.6	2026-06-01	Added a release notes workflow so recent site updates can be maintained in one document and shown on the home page.
0.1.6	2026-06-01	Added a release notes guardrail script to catch user-facing changes that forget to update this document.
0.1.6	2026-06-01	Refined Scenario editor spacing, Social Security placement, and spouse-disabled display behavior.
0.1.5	2026-06-01	Improved mobile layout behavior for planner headers and public pages.
0.1.5	2026-06-01	Added scenario duplication and refined Scenario editor section collapse controls.
0.1.5	2026-06-01	Updated Home page copy, About information, and contact guidance for account-based contact requests.
0.1.5	2026-06-01	Refined default scenario and budget assumptions for demo/test review.
0.1.5	2026-06-01	Improved Income Planner column selection ordering and compact controls.
0.1.4	2026-05-29	Completed the Income Planner gap matrix pass and moved remaining future work into backlog/module planning docs.
0.1.4	2026-05-29	Added and refined Income Planner summary totals, pinned years, and detail alignment.
0.1.4	2026-05-29	Added taxable investment basis tracking and capital gains handling for taxable withdrawals.
0.1.4	2026-05-29	Added HSA modeling for eligible medical premium support.
0.1.4	2026-05-29	Refined tax table editing, Ohio tax table layout, and federal/state tax assumptions.
0.1.3	2026-05-23	Added AdSense script and banner support for demo verification.
0.1.3	2026-05-23	Added `when2retire.com` and `www.when2retire.com` domain/origin planning for the demo site.
0.1.3	2026-05-23	Added `ads.txt` support for Google AdSense verification.
0.1.3	2026-05-23	Updated DS916+ Demo access and certificate planning notes.
0.1.1	2026-05-08	Added contact request support and account-management improvements.
0.1.1	2026-05-08	Improved security and release readiness documentation.
0.1.1	2026-05-08	Continued unifying planner pages into the shared planner workspace.
0.1.0	2026-04-29	Established the DS916+ Demo release flow and first tagged demo release.
0.1.0	2026-04-29	Added environment/version metadata for `/health/`, `/api/status/`, and the Home page.
0.1.0	2026-04-29	Added Firebase-backed account setup for local test and DS916+ Demo environments.
0.1.0	2026-04-29	Documented the Test to Demo to Production promotion workflow.