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 both PIAs are entered, the Joint Claiming Strategy card below also applies real deemed-filing spousal-benefit rules (50%-of-PIA spousal benefits, reduced for early claiming) — it does not model the post-death survivor-benefit step-up or restricted application, which remain genuinely complex; consult an SSA claiming specialist for those.

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.

Splits account balances and real estate/business value by the percentage above (50% = even split) and switches filing status from Married Filing Jointly to Single from the given year on — same mechanic the Death scenario uses. Each person's own income is unaffected (unlike Death, divorce doesn't stop anyone's income). This models the aggregate financial impact of a split, not a specific settlement's account-by-account terms — a real agreement may assign specific accounts to specific spouses rather than splitting each one evenly.

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.

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.