Time on Your Side

A standalone retirement education guide for someone starting in their early 30s. Static HTML, CSS and JavaScript; no build step, analytics, data collection, or application dependencies. Public site files live in dist/.

Preview and verify

Run npm run preview, then open http://localhost:4174. Run npm test for the calculator's numeric checks. Serve over HTTP rather than opening the HTML directly (JavaScript uses modules).

GitHub Pages

The workflow publishes only dist/ to GitHub Pages on pushes to main. In repository Settings → Pages, the deployment source is GitHub Actions. Expected URL: https://jiminewlander.github.io/ScottFinance/.

Annual maintenance

Last fact review: September 26, 2026. Before each tax year:

1. Verify the latest IRS employee deferral, IRA, combined defined-contribution, and income phase-out limits using the linked primary sources in the site.
2. Update LIMITS in dist/math.js, dated limits/eligibility/methodology in dist/index.html, and relevant tests. Search the entire project for the old year and dollar amounts.
3. Recheck tax/withdrawal rules and linked fund descriptions. Do not infer future limits or repeat performance promises from investment media.
4. Run tests and check both calculators, over-limit inputs, zero and negative returns, match calculations, inflation display, keyboard controls, and mobile layout.
5. Push to main and verify the Pages deployment and public URL.

Assumptions

Zero initial balance; end-of-month deposits; effective annual return converted to monthly; reinvested dividends; entered returns assumed net of fees. Default: $500/month, 35 years, 7% hypothetical return. Comparison delays: 0, 5 and 10 years, with the same finish date. Today’s buying power uses 2.5% annual inflation. Contributions and gains in the breakdown remain nominal when inflation adjustment is enabled; the nominal total is displayed alongside the explanation.

The account calculators apply fixed 2026 under-50 limits, with no future limit increases or catch-ups. Roth eligibility and compensation are assumed, not verified. The employer match follows the entered salary/rate/cap, subject to compensation and total-additions limits, and is assumed fully vested. No withdrawals, retirement tax estimate, or personalized allocation is modeled. Content cites IRS, SEC, DOL, fund issuer pages and Investing Simplified—Professor G; the site is unaffiliated with them.

Optional, feature-detected WebMCP exposes configure_retirement_projection to update the same visible calculator without saving data or transacting.