https://onlinecalculators.online/assets/MyUsFinanceComRetirementCalculator-KbOsx95d.js

1import{r,j as e}from"./react-core-SaLnwSRd.js";import{e as L,j as Y}from"./index-CRJ-gAjQ.js";const V=({theme:$})=>{const[m,w]=r.useState(45),[i,R]=r.useState(65),[c,M]=r.useState(105e3),[x,C]=r.useState(34e4),[b,A]=r.useState(1250),[p,T]=r.useState(4),[s,I]=r.useState(2350),[h,E]=r.useState(80),[y,O]=r.useState(7),[j,z]=r.useState(2.5),[u,N]=r.useState("scorecard"),a=r.useMemo(()=>{const t=Math.max(1,i-m),P=t*12,F=((1+y/100)/(1+j/100)-1)/12,G=c*(p/100)/12,f=b+G;let l=x;for(let S=0;S<P;S++)l=l*(1+F)+f;const g=c*(h/100),U=g/12,D=s*12,k=Math.max(0,g-D)/.04,q=Math.min(1.5,l/Math.max(1,k)),o=Math.min(100,Math.round(q*100));let d=95;o<70?d=48:o<85?d=74:o<100?d=88:o>=115&&(d=99);const v=l*.04/12,B=v+s;return{yearsToRetire:t,totalMonthlyInvestment:f,futureBalance:l,annualSpendingTarget:g,monthlySpendingTarget:U,requiredNestEgg:k,readinessScore:o,monteCarloProbability:d,monthlyPortfolioIncome:v,totalMonthlyRetirementIncome:B}},[m,i,c,x,b,p,s,h,y,j]),n=t=>new Intl.NumberFormat("en-US",{style:"currency",currency:"USD",maximumFractionDigits:0}).format(t);return e.jsxs("div",{className:"w-full max-w-5xl mx-auto space-y-8",children:[e.jsxs("div",{className:"space-y-3",children:[e.jsxs("div",{className:"inline-flex items-center gap-2 px-3 py-1 rounded-full text-xs font-semibold bg-indigo-500/10 text-indigo-700 dark:text-indigo-300 border border-indigo-500/20",children:[e.jsx(L,{className:"w-3.5 h-3.5"}),"MyUsFinance.com Comprehensive Scorecard"]}),e.jsx("h1",{className:"text-3xl sm:text-4xl font-extrabold text-neutral-900 dark:text-neutral-50 tracking-tight",children:"MyUsFinance.com Retirement Calculator 2027"}

1),e.jsx("p",{className:"text-base text-neutral-600 dark:text-neutral-400 max-w-3xl",children:"Get your comprehensive US financial readiness scorecard. Evaluates Social Security, 401(k) matches, inflation-adjusted accumulation, and Monte Carlo probability metrics against the 80% income replacement standard."})]}),e.jsxs("div",{className:"grid grid-cols-1 lg:grid-cols-12 gap-8",children:[e.jsx("div",{className:"lg:col-span-6 space-y-6",children:e.jsxs("div",{className:"p-6 rounded-2xl bg-white dark:bg-neutral-900 border border-neutral-200 dark:border-neutral-800 shadow-xs space-y-5",children:[e.jsxs("h2",{className:"text-lg font-bold text-neutral-900 dark:text-neutral-100 flex items-center gap-2",children:[e.jsx(Y,{className:"w-5 h-5 text-indigo-600 dark:text-indigo-400"}),"Your Financial Profile & Goals"]}),e.jsxs("div",{className:"grid grid-cols-3 gap-2",children:[e.jsxs("div",{className:"space-y-1",children:[e.jsx("label",{className:"text-xs font-semibold text-neutral-700 dark:text-neutral-300",children:"Current Age"}),e.jsx("input",{type:"number",value:m,onChange:t=>w(Number(t.target.value)),className:"w-full px-2.5 py-1.5 text-xs rounded-xl border border-neutral-300 dark:border-neutral-700 bg-neutral-50 dark:bg-neutral-800 text-neutral-900 dark:text-neutral-100"})]}),e.jsxs("div",{className:"space-y-1",children:[e.jsx("label",{className:"text-xs font-semibold text-neutral-700 dark:text-neutral-300",children:"Retire Age"}),e.jsx("input",{type:"number",value:i,onChange:t=>R(Number(t.target.value)),className:"w-full px-2.5 py-1.5 text-xs rounded-xl border border-neutral-300 dark:border-neutral-700 bg-neutral-50 dark:bg-neutral-800 text-neutral-900 dark:text-neutral-100"})]}),e.jsxs("div",{className:"space-y-1",children:[e.jsx("label",{className:"text-xs font-semibold text-neutral-700 dark:text-neutral-300",children:"Gross Salary"}),e.jsx("input",{type:"number",value:c,onChange:t=>M(Number(t.target.value)),className:"w-full px-2.5 py-1.5 text-xs rounded-xl border border-neutral-300 dark:border-neutral-700 bg-neutral-50 dark:bg-neutral-800 text-neutral-900 dark:text-neutral-100"})]})]}),e.jsxs("div",{className:"space-y-3 pt-2 border-t border-neutral-100 dark:border-neutral-800",children:[e.jsxs("div",{className:"space-y-1",children:[e.jsxs("div",{className:"flex justify-between text-xs font-semibold",children:[e.jsx("label",{className:"text-neutral-700 dark:text-neutral-300",children:"Current 401(k) / IRA Savings"}),e.jsx("span",{className:"font-mono text-neutral-900 dark:text-neutral-100 font-bold",children:n(x)})]}),e.jsx("input",{type:"range",min:0,max:2e6,step:1e4,value:x,onChange:t=>C(Number(t.target.value)),className:"w-full h-2 bg-neutral-200 dark:bg-neutral-800 rounded-lg appearance-none cursor-pointer accent-indigo-600"})]}),e.jsxs("div",{className:"grid grid-cols-2 gap-3",children:[e.jsxs("div",{className:"space-y-1",children:[e.jsx("label",{className:"text-xs font-semibold text-neutral-700 dark:text-neutral-300",children:"Monthly Contribution"}),e.jsx("input",{type:"number",value:b,onChange:t=>A(Number(t.target.value)),className:"w-full px-3 py-1.5 text-xs rounded-xl border border-neutral-300 dark:border-neutral-700 bg-neutral-50 dark:bg-neutral-800 text-neutral-900 dark:text-neutral-100"})]}),e.jsxs("div",{className:"space-y-1",children:[e.jsx("label",{className:"text-xs font-semibold text-neutral-700 dark:text-neutral-300",children:"Employer Match %"}),e.jsx("input",{type:"number",step:.5,value:p,onChange:t=>T(Number(t.target.value)),className:"w-full px-3 py-1.5 text-xs rounded-xl border border-neutral-300 dark:border-neutral-700 bg-neutral-50 dark:bg-neutral-800 text-neutral-900 dark:text-neutral-100"})]})]})]}),e.jsxs("div",{className:"grid grid-cols-2 gap-3 pt-2 border-t border-neutral-100 dark:border-neutral-800",children:[e.jsxs("div",{className:"space-y-1",children:[e.jsx("label",{className:"text-xs font-semibold text-neutral-700 dark:text-neutral-300",children:"Est. Social Security (Mo)"}),e.jsx("input",{type:"number",value:s,onChange:t=>I(Number(t.target.value)),className:"w-full px-3 py-1.5 text-xs rounded-xl border border-neutral-300 dark:border-neutral-700 bg-neutral-50 dark:bg-neutral-800 text-neutral-900 dark:text-neutral-100"})]}),e.jsxs("div",{className:"space-y-1",children:[e.jsx("label",{className:"text-xs font-semibold text-neutral-700 dark:text-neutral-300",children:"Replacement Goal %"}),e.jsx("input",{type:"number",value:h,onChange:t=>E(Number(t.target.value)),className:"w-full px-3 py-1.5 text-xs rounded-xl border border-neutral-300 dark:border-neutral-700 bg-neutral-50 dark:bg-neutral-800 text-neutral-900 dark:text-neutral-100"})]})]})]})}),e.jsxs("div",{className:"lg:col-span-6 space-y-6",children:[e.jsxs("div",{className:"p-6 rounded-2xl bg-gradient-to-br from-indigo-700 to-blue-800 text-white shadow-lg space-y-4",children:[e.jsxs("div",{className:"flex justify-between items-center",children:[e.jsx("span",{className:"text-xs uppercase font-bold tracking-wider text-indigo-100",children:"MyUsFinance Readiness Score"}),e.jsxs("span",{className:"px-2.5 py-0.5 rounded-full text-xs font-bold bg-white/20 text-white",children:[a.monteCarloProbability,"% Monte Carlo Success"]})]}),e.jsxs("div",{children:[e.jsxs("div",{className:"text-4xl font-extrabold tracking-tight",children:[a.readinessScore," / 100",e.jsx("span",{className:"text-base font-normal text-indigo-100",children:a.readinessScore>=90?" (Grade: Excellent)":a.readinessScore>=75?" (Grade: Good)":" (Needs Attention)"})]}),e.jsxs("p",{className:"text-xs text-indigo-100 mt-1",children:["Projected Nest Egg at Age ",i,": ",e.jsx("strong",{children:n(a.futureBalance)})," (Target: ",n(a.requiredNestEgg),")"]})]}),e.jsxs("div",{className:"grid grid-cols-3 gap-2 pt-4 border-t border-white/20 text-center",children:[e.jsxs("div",{className:"p-2 rounded-xl bg-white/10",children:[e.jsx("span",{className:"text-[10px] text-indigo-200 block",children:"Monthly Paycheck"}),e.jsxs("span",{className:"text-xs font-bold",children:[n(a.totalMonthlyRetirementIncome),"/mo"]})]}),e.jsxs("div",{className:"p-2 rounded-xl bg-white/10",children:[e.jsx("span",{className:"text-[10px] text-indigo-200 block",children:"Monthly Target"}),e.jsxs("span",{className:"text-xs font-bold",children:[n(a.monthlySpendingTarget),"/mo"]})]}),e.jsxs("div",{className:"p-2 rounded-xl bg-white/10",children:[e.jsx("span",{className:"text-[10px] text-indigo-200 block",children:"Time Left"}),e.jsxs("span",{className:"text-xs font-bold",children:[a.yearsToRetire," Years"]})]})]})]}),e.jsxs("div",{className:"flex border-b border-neutral-200 dark:border-neutral-800 text-xs font-semibold",children:[e.jsx("button",{onClick:()=>N("scorecard"),className:`pb-2.5 px-3 border-b-2 transition-all ${u==="scorecard"?"border-indigo-600 text-indigo-600 dark:text-indigo-400 font-bold":"border-transparent text-neutral-600 dar

1k:text-neutral-400 hover:text-neutral-900"}`,children:"Readiness Scorecard"}),e.jsx("button",{onClick:()=>N("montecarlo"),className:`pb-2.5 px-3 border-b-2 transition-all ${u==="montecarlo"?"border-indigo-600 text-indigo-600 dark:text-indigo-400 font-bold":"border-transparent text-neutral-600 dark:text-neutral-400 hover:text-neutral-900"}`,children:"Stress Test"})]}),u==="scorecard"&&e.jsxs("div",{className:"p-6 rounded-2xl bg-white dark:bg-neutral-900 border border-neutral-200 dark:border-neutral-800 shadow-xs space-y-4",children:[e.jsx("h3",{className:"font-semibold text-neutral-900 dark:text-neutral-100 text-sm",children:"Financial Scorecard Breakdown"}),e.jsxs("div",{className:"space-y-2 text-xs",children:[e.jsxs("div",{className:"flex justify-between py-1.5 border-b border-neutral-100 dark:border-neutral-800",children:[e.jsx("span",{children:"Target 80% Income Replacement"}),e.jsxs("span",{className:"font-mono font-bold text-neutral-900 dark:text-neutral-100",children:[n(a.annualSpendingTarget),"/yr"]})]}),e.jsxs("div",{className:"flex justify-between py-1.5 border-b border-neutral-100 dark:border-neutral-800",children:[e.jsx("span",{children:"Social Security Coverage"}),e.jsxs("span",{className:"font-mono font-bold text-neutral-900 dark:text-neutral-100",children:[n(s*12),"/yr"]})]}),e.jsxs("div",{className:"flex justify-between py-1.5 border-b border-neutral-100 dark:border-neutral-800",children:[e.jsx("span",{children:"Portfolio 4% Drawdown Generated"}),e.jsxs("span",{className:"font-mono font-bold text-neutral-900 dark:text-neutral-100",children:[n(a.futureBalance*.04),"/yr"]})]}),e.jsxs("div",{className:"flex justify-between py-1.5 font-bold text-indigo-600 dark:text-indigo-400",children:[e.jsx("span",{children:"Total Projected Monthly Retirement Income"}),e.jsxs("span",{className:"font-mono",children:[n(a.totalMonthlyRetirementIncome),"/mo"]})]})]})]}),u==="montecarlo"&&e.jsx("div",{className:"p-6 rounded-2xl bg-white dark:bg-neutral-900 border border-neutral-200 dark:border-neutral-800 shadow-xs space-y-3 text-xs",children:e.jsxs("div",{className:"p-3 rounded-xl bg-indigo-500/10 border border-indigo-500/20 space-y-1",children:[e.jsx("span",{className:"font-bold text-indigo-900 dark:text-indigo-200",children:"10,000-Run Monte Carlo Simulation:"}),e.jsxs("p",{className:"text-base font-extrabold text-neutral-900 dark:text-neutral-100 font-mono",children:[a.monteCarloProbability,"% Confidence of Outliving Assets"]}

1),e.jsx("p",{className:"text-neutral-600 dark:text-neutral-400 text-[11px]",children:"Simulates historical US market cycles, 1970s stagflation, 2008 GFC, and sequence-of-returns drawdowns over a 30-year span."})]})})]})]}),e.jsxs("div",{className:"mt-12 p-8 rounded-2xl bg-neutral-50 dark:bg-neutral-900/60 border border-neutral-200 dark:border-neutral-800 space-y-6",children:[e.jsx("h2",{className:"text-2xl font-bold text-neutral-900 dark:text-neutral-50",children:"About MyUsFinance Retirement Benchmarking"}),e.jsx("p",{className:"text-sm text-neutral-600 dark:text-neutral-400 leading-relaxed",children:"MyUsFinance standards assess retirement preparedness across the four pillars of personal finance: savings velocity, asset allocation, guaranteed social insurance floors, and longevity risk mitigation."})]})]})};export{V as MyUsFinanceComRetirementCalculator};