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"engine": 6535.0184658659355 }, { "year": 2, "age": 64, "measure": "Federal tax after Roth conversion", "reference": 41094.117647058825, "engine": 41094.11764705812 }, { "year": 4, "age": 66, "measure": "Medicare income surcharge", "reference": 6355.200000000001, "engine": 6355.200000000001 }, { "year": 5, "age": 67, "measure": "Social Security income", "reference": 24000, "engine": 24000 }, { "year": 13, "age": 75, "measure": "Required withdrawal", "reference": 52831.26856239617, "engine": 52831.268777218065 }, { "year": 13, "age": 75, "measure": "Cash put back into savings", "reference": 13001.389478669022, "engine": 13001.38964623009 } ], "limitations": [ "Fresh engine comparisons against frozen external outputs; external tools not rerun.", "The household reference was separately derived by this project, not another planner.", "Synthetic well-funded households; no independent account-exhaustion benchmark.", "Nominal cash flows; ledger ending_balance_real is in opening-year buying power.", "Healthcare policy and Roth conversions in these inputs are not enabled by the app.", "Private engine: downloads expose evidence but are not complete outside reproduction.", "Passing arithmetic checks does not validate future returns, laws or medical prices." ], "reproduce": "PYTHONPATH=src python3 scripts/research/financial_validation.py" }