Edit Personal Details

These dates establish the household timeline used everywhere else

Personal Details identifies the plan and supplies the dates that turn employment, Social Security, contributions, healthcare transitions, taxes, and the planning horizon on or off in annual projections. Change this editor when a source date changes or when a What-if is deliberately testing different timing.

Plan through is a lifespan assumption for that person, not a prediction. The model treats that point as the assumed end of the person’s life, including survivor and household changes. In a two-person household the projection continues for the survivor. Use an intentionally conservative age when you want to test longevity rather than entering a short horizon simply because the date is uncertain.

Enter the age you want to plan to in Plan through age, such as 95. The calculated date appears directly beneath the age field and updates when you change the age or birth date. The date remains the saved planning input. An existing exact date is preserved until you change its age or birth date. For a February 29 birthdate, age entry uses March 1 in a non-leap year.

Keep each person’s household dates separate

Birth date determines age in every projection year. Retirement date controls retirement-linked income endings, contribution endings, stock-compensation retirement rules, and other milestones. Keep each spouse’s dates separate even when the household expects to coordinate retirement.

The current projection supports at most 120 annual periods from the planning start. Choose a planning-end date within that range; an invalid date stays in the draft for correction rather than silently shortening the requested horizon. Longer horizons are not currently supported.

Enter Social Security start dates, monthly full-retirement-age estimates, and input confirmation in Income & Benefits. Birthdates remain here because they also determine benefit eligibility ages.

State and filing status affect tax calculations rather than household ownership

State of residence selects the supported state-tax treatment used by the projection. Filing status supplies the federal and state filing basis. These fields do not move an asset between spouses or determine who owns an account; ownership is entered with the account, income, property, or debt itself.

The state assumption is fixed for the plan. For a married-filing-jointly household, the projection switches to Single once either person is no longer modeled as alive. Other future filing-status changes and moves are not scheduled here; compare separate What-ifs and review the transition-year assumptions.

After saving, review the first years affected by a changed date

Save and return records a new saved revision of the plan. Reopen Personal Details to verify the dates, then inspect Projection around retirement and the household horizon. Rerun Test Market Uncertainty after a material change because an older saved analysis remains tied to the plan used when it ran.

If another tab saves the plan while you are editing, your save is rejected so the newer changes are preserved. Keep a note of your intended changes, reload the latest saved plan, review the differences, and enter them again. Correcting a validation error does not remove this protection.

YARCalc calculates annual periods. It retains source dates but does not prorate every cash flow to the exact day or month, so review the transition year and the years immediately before and after it.