About Deorbit Plan

What Deorbit Plan is

Deorbit Plan is a Berrydyne program: a free, private, tax-aware retirement Monte Carlo simulator, plus a library of short explainer articles on the tax and Medicare rules that shape a retirement plan. The simulator runs entirely in your browser — see the privacy policy for exactly what that means. This page isn’t a corporate bio; it exists to explain how the numbers on this site are produced and kept accurate, so you can judge that for yourself.

Educational only — not advice

Everything on this site — the simulator, the Strategy Lab, and every Learn article — is educational content, not financial, tax, or legal advice, and not a recommendation to buy, sell, or hold anything. Tax rules are simplified for a general audience; your actual return, plan documents, and state rules can differ from what is modeled here. Always verify decisions that matter with a qualified professional (a CPA, an enrolled agent, or a fee-only financial planner) before acting on them.

Editorial method: one verified source, two outputs

The simulator and the Learn articles are not written independently of each other — they share a single source of truth, and the numbers only flow one direction:

• Every modeled number is a sourced constant. Tax brackets, IRA and 401(k) limits, RMD tables, Social Security rules, IRMAA tiers, ACA subsidy parameters, and state tax rules each live in src/engine/constants/ as a { value, source, verified } record — a primary-source URL (IRS, SSA, CMS, or HHS, plus the relevant state revenue department for state rules) that was checked before the value shipped.
• Articles cite primary references, not opinions. Every Learn article ends with a References list that links directly to the primary source for its claims — IRS publications and revenue procedures, Social Security regulations, CMS fact sheets, or the U.S. Code — fetched and checked, not assumed from memory or secondhand summaries.
• Data flows one way. Primary sources feed the verified constants; the constants feed the simulation engine; the engine and the articles both draw from that same verified layer. Articles are written and updated FROM the constants — never the reverse, and never from this site’s own prior pages. This site is never used as a source for itself.
• An annual tax-law review keeps it current. A standing review process re-checks recent tax-law and parameter changes against primary sources, updates the constants and their verified status, and audits that every outbound reference link in the Learn library still resolves to the source it cites. Each article’s “Last reviewed” date reflects the most recent pass that touched it.

Contact

Questions, corrections, or a source link that no longer resolves — email help@deorbitplan.com. The in-app feedback form works too, for bug reports specific to the simulator itself.