What MangoDime doesn't model (yet)

Last updated October 20, 2026

We'd rather you know. As of October 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.
Income before you retire, unless we know what you earn. A Social Security benefit, a pension or rent that starts before your retirement age is counted and added to your savings, taxed on top of your salary. Without your income on file we cannot work out that tax, so those years show as nothing and your figures are lower than what you would receive.
Living costs before you retire. Housing, debt and spending are assumed covered by your salary in those years, so they are not tracked. A one-off expense you date before retirement IS charged, against savings.
The Social Security earnings test, which withholds part of a benefit claimed before your full retirement age while you are still earning. It stops entirely at the month you reach full retirement age, and the withheld months are credited back then, so leaving it out keeps the lifetime figure close while the year-by-year timing is simplified.
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: each of your premiums is counted against a national-average benchmark and the two are added together.
The 72(t) annuitization method, and the Uniform Lifetime and Joint and Last Survivor tables: 72(t) payments use the Single Life table, by the required minimum distribution or fixed amortization method.
IRMAA's two-year lookback: uses same-year income.