Deorbit Plan

Retirement math is mostly tax math, and tax math is where the usual calculators wave their hands. Deorbit Plan runs thousands of Monte Carlo market scenarios through a real tax engine — federal brackets, long-term capital gains stacking, Roth conversion ladders, required minimum distributions under SECURE 2.0, ACA premium subsidies, IRMAA surcharges, and state income tax in 33 states — and reports not just whether the money lasts, but what the strategy costs in lifetime taxes.

It is an educational instrument, not financial advice. It will, however, make the trade-offs embarrassingly visible.

1. Monte Carlo simulation over market returns and inflation — outcome distributions, not single-path wishful thinking.
2. Roth conversion ladder planning with bracket-aware conversion sizing.
3. Required minimum distributions modeled under SECURE 2.0 rules.
4. Long-term capital gains bracket stacking alongside ordinary income.
5. ACA premium subsidy and Medicare IRMAA cliff awareness in withdrawal planning.
6. State income tax modeling for 33 states.
7. Lifetime-taxes-paid accounting, so strategies compete on total cost.
8. Runs entirely in the browser — the engine is TypeScript in a Web Worker. No accounts, no server, no analytics; your numbers never leave your machine.

There are no records, because there is nowhere to keep them. Deorbit Plan is served as static files — there is no backend, no database, and no account system. Your balances, income, and plans are never transmitted anywhere: the entire simulation runs in your browser's own worker thread, on your machine. Not even this site's host sees what you type.

Close the tab and the numbers are gone, unless you export them yourself. That is the whole data policy.

Any modern browser. Built with React, TypeScript, and Vite; the simulation engine is dependency-light pure TypeScript with a 172-test suite over the tax rules.

Operational and publicly available. Educational use only — nothing here is financial, tax, or legal advice.