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Plan accuracy scores how complete your plan’s inputs are, from 0 to 100. Each check looks for an input that moves the whole projection when it is missing. Checks that don’t fit your plan are left out of the score. Review items flag assumptions and events that look unusual. They are listed, but they never change the score.
| Check | Weight | Passes when | Applies to |
|---|---|---|---|
| Account balances | 20 | Your accounts add up to more than $0. | Every plan |
| Expenses | 20 | At least one expense is more than $0. | Every plan |
| Your Social Security | 15 | A switched-on Social Security income stream is yours. | Plans taxed in the US |
| Partner’s Social Security | 15 | A switched-on Social Security income stream is your partner’s. | US plans with a partner |
| Salary ends | 10 | Every salary has an End milestone that is reached in the projection. | Plans with recurring employment or self-employment income |
| Coverage before Medicare | 10 | Health coverage costs are modeled with marketplace coverage, or an itemized medical budget, for each person who needs it. | US plans where someone is younger than their Medicare age when the household’s last salary ends |
- Salary means recurring pay above $0 that starts in the projection. One-time pay and switched-off streams are skipped. An End milestone that is never reached leaves the salary running to the end of the plan, so it doesn’t pass.
- Coverage before Medicare uses the year the household’s last salary ends, or the plan’s first year when nobody has one. Anyone younger than 65 that year, or a later Medicare start age you set for them, needs coverage. With marketplace coverage, a partner needs Partner is covered on the same policy left on.
Plan accuracy=Weight of passing checks÷Weight of applicable checks×100
Rounded to the nearest whole number, halves up. A plan with no applicable checks scores 100.
| Account balances passes | 20 | |
|---|---|---|
| + | Expenses, Your Social Security and Salary ends fail | 45 |
| = | Applicable weight | 65 |
| → | Score: 20 ÷ 65 × 100 | 31 |
Single person with a $100,000 brokerage account entered without basis and a $120,000 salary. Coverage before Medicare doesn’t apply while the salary never ends. The blank basis is a review item.
- Stock return above inflation
- 8%
- Flagged above this in any projected year
- Inflation
- 1%
- Flagged below this in any projected year
- Stock return over 8% after inflation: the stock return is price growth plus dividend yield. It is compared with inflation as (1 + return) ÷ (1 + inflation) − 1. Exactly 8% isn’t flagged. Both thresholds are CoastMath’s planning choices, not rules.
- Inflation under 1%: exactly 1% isn’t flagged.
- Never runs: an income stream or expense whose Start milestone is never reached, or is reached after its End milestone. Streams that start at a switched-off milestone are skipped.
- Missed milestone: a milestone with a deadline set to miss that the projection doesn’t reach in time.
- Social Security is $0: a benefit entered as an amount of $0.
- Basis assumed equal to balance: a taxable brokerage or crypto account with a balance and a blank cost basis.
Assumption checks cover every projected year, so an age-based curve is flagged in the years it crosses a threshold. Milestone items come from one projection of the saved plan (see Milestones and event timing).
The score isn’t a probability and doesn’t judge your plan’s outcome. A plan that runs out of money can score 100, and a plan with no Social Security can succeed. It counts only whether the inputs above are entered. For outcomes, see Success odds.