What MangoDime doesn't model (yet)

We'd rather you know. As of September 2026, here's a plain list of what the simulation does not model.

This list changes with every release — check back after an update if you're relying on something not covered above.

What this doesn't model

Annuities — no purchase or payout logic.
A true tax-optimizing withdrawal engine — Compare ranks four named orders; it doesn't fill brackets.
Estate or inheritance tax — only a simple legacy figure.
Progressive state tax — each state's top rate is applied flat, which overstates state tax for most people.
Spousal Social Security benefits — each spouse's benefit is independent; the survivor step-up is simplified.
Selling or downsizing a home, or pooling rental income across properties.
529 state tax deductions inside the simulation (shown for information only).
Long-term care in depth — a fixed cost window with an insurance offset; no probability of needing care.
College costs rising faster than inflation — costs are flat in today's dollars.
Future federal bracket changes — 2025 brackets throughout.
Multiple saved plans or side-by-side scenarios.
A joint retirement-age solver for couples — the solver sweeps the primary's age only.
Family ACA pricing — premiums are summed per spouse against a national-average benchmark.
The exact IRS 72(t) calculation — an approximate, labeled formula.
IRMAA's two-year lookback — uses same-year income.