Highest 35 years
The estimate uses the 35 highest wage-indexed annual earnings values and treats missing years as zero.
Project 02 · Interactive Planning Tool
Future income, made explorable.
Build an educational estimate from your own earnings, compare Social Security claiming ages, and model how an investment balance could support retirement income.
Runs in your browser
No account required
Data stays on this device
Open the planner
The project
One workspace for two connected questions.
The planner combines an earnings-based Social Security estimate with a long-range investment withdrawal model. It is designed for experimentation—not prediction—so every assumption remains visible and editable.
The public version starts empty and derives its timeline from the visitor’s birth year. No ages, earnings, balances, retirement dates, or return assumptions from the original private prototype are included.
Interactive calculator
Create your planning sandbox.
Start with a birth year to generate an age-based earnings timeline. Enter only the information you want to explore.
Private by design
Your entries are calculated locally and saved only in this browser’s storage. Peryton Design does not receive or transmit the values you enter.
01
Set up your timeline
Birth year determines the earnings years, full retirement age, indexing year, and formula year used by this educational model.
02
Add Social Security-taxed earnings
Use the Social Security-taxed earnings shown on your earnings record. Blank years are treated as zero.
Paste an earnings record
Paste one amount per line, or two columns containing year and amount.
Model future work
| Year | Age | Social Security-taxed earnings | Indexed earnings used |
|---|
Changes save locally.
03
Explore the estimate
Estimated monthly benefit by claiming age
| Claim age | Monthly estimate | Share of FRA amount |
|---|
Highest 35 indexed years
| Year | Indexed earnings |
|---|
04
Layer in investment income
Test a fixed-return, fixed-withdrawal scenario alongside the Social Security estimate. Leave optional fields blank to exclude them.
Calculation basis
Transparent assumptions, official reference points.
Age-aware formula
Birth year determines full retirement age and the wage-index/formula year. When future official values are unavailable, the tool identifies the current-data proxy.
Source links
Review the SSA’s Average Wage Index, PIA bend points, and full retirement age guidance.