What ModernRetire does not model
Educational planner only — not financial, tax, or legal advice. See Disclaimers.
Last reviewed against the planner codebase: May 2026.
Social Security and benefits
- Full SSA rules engine (simplified claiming, deeming, survivor paths — not a replacement for SSA.gov)
- Earnings test is not applied inside the SS Optimizer claim-age scenario grid (pre-FRA wages while claiming early)
- Divorced-spouse fields exist on Profile → Benefits, but the SS Optimizer grid does not yet rank scenarios using divorced-spouse benefit math — own-PIA claiming paths only
- Survivor continuation of government / non-SS pension after spouse death
- Restricted application / legacy cohort edge cases
- Automatic SSA statement import
Medicare / IRMAA / ACA
- IRMAA in the SS Optimizer uses current-plan MAGI, not MAGI replayed per claim-age scenario
- IRMAA ranking may show “IRMAA deferred” when pre-SS MAGI is insufficient
- Monte Carlo: Medicare costs are not fully aligned with the deterministic timeline
- ACA: nationwide CMS approximations; not all state child-premium curves
- Medicare enrollment timing / Part B late-enrollment penalties
Tax and withdrawals
- State tax: many states use simplified fractions, not full AGI phaseouts
- Every Roth conversion / ACA / IRMAA interaction edge case
- 72(t) SEPP: RMD-style and amortization methods exist in profile; IRS annuitization (Table 4) is not modeled
- Exact quarterly tax payments / safe-harbor mechanics
Real estate and assets
- Rental properties: primary rental + additional rentals are modeled with simplified depreciation, cap gains, and sale timing — not a full property-by-property tax engine
- Optimizer does not search optimal sale timing across multiple properties
- Region-specific primary-residence / depreciation nuances beyond current approximations
- Primary home: sell, hold, and downsize are modeled on Profile → Real estate. Not modeled: multi-step moves (sell → rent → buy), separate mortgages on the replacement home, or state relocation beyond profile inputs
Household and life events
- Full long-term care survivor benefit modeling on all panels (partial LTC inputs)
- Every estate / trust / step-up edge case beyond current TCJA / heir panels
- Wages and pre-retirement employment detail (retirement-focused product)
Product and data
- Cloud sync: guests see Local only (no account). Signed-in free users get one cloud-backed manual scenario; additional compare scenarios require premium-class tier. Confirm ✓ Synced before trusting backup.
- Sage is not a licensed advisor; may be wrong or unavailable
- Historical returns / annuity tables are approximate
Repealed / no longer modeled
- WEP and GPO reductions (Social Security Fairness Act). Non-SS pension is income only.