Project your TSP and investments, add FERS or military pension and Social Security, and compare your income against sourced cost-of-living data for every U.S. state and 130+ countries. Run a 1,000-path Monte Carlo and generate an AI retirement report.
A structured, professional report built from your inputs and the numbers computed above: readiness score drivers, year-by-year income, scenarios and stress test, Social Security timing, taxes, Medicare, location comparison, a TSP playbook and a 12-month action plan.
cost-data.json). Country budgets and healthcare figures are estimates derived from those sources.U.S. retiree cost: annual = BLS CE average annual expenditures for households age 65+ × MERIC state composite index / 100. Monthly = annual / 12. Healthcare estimate = BLS 65+ healthcare spending × MERIC health sub-index / 100.
Countries (estimate): Numbeo's Cost of Living Plus Rent index (New York City = 100) is rebased so the United States = 100: index_vs_US = country / United States × 100. Estimated retiree budget = BLS 65+ baseline × index_vs_US / 100. This assumes a U.S.-style consumption basket and does not include international health insurance, visa fees, travel or currency moves.
Housing: state median home value = Zillow ZHVI (typical mid-tier home). Rent = Zillow ZORI typical rent in the state's largest metro (not the statewide median).
Projection: balances grow at the real return (1+r)/(1+i) − 1 with monthly contributions plus employer match; contributions grow with salary growth above inflation. All amounts are in today's dollars.
Income: 4% rule = 4% of the retirement portfolio per year. FERS estimate (if blank) = 1% × years of service × high-3 (1.1% at 62+ with 20+ years). Social Security estimate (if blank) uses the SSA 2026 PIA formula (bend points $1,286 / $7,749, wage base $184,500) on your current income, adjusted for claiming age — a rough estimate; use your SSA statement.
Monte Carlo: 1,000 paths of normally distributed annual real returns (mean = your real return, σ by risk tolerance). Each year the portfolio pays the shortfall between the destination cost of living (× lifestyle) and pension + Social Security. Success = money lasts to life expectancy.
State taxes show whether Social Security, pensions and 401(k)/IRA/TSP withdrawals are taxed for 2026; federal tax still applies and is not modeled in the gap.