BEACONSHIRE ADVISORY — Social Security Benefits Calculator
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What's included
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  Beaconshire_Social_Security_Calculator.html   The calculator (self-contained, single file)
  README.txt                                    This file

How to use
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Double-click Beaconshire_Social_Security_Calculator.html to open it in your default
browser. Everything runs locally — no data leaves your computer. Works offline; the
Playfair Display / Inter web fonts load from Google Fonts when you're online, and
fall back gracefully to Georgia / system sans when you're offline.

What it does
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  - Estimates your monthly Social Security benefit based on your birth year,
    Full Retirement Age (FRA) benefit, and chosen claiming age (62 - 70).
  - Applies the SSA earnings test to work income — including the separate
    year-of-FRA rule ($1 withheld per $3 over a higher limit) that most
    free calculators miss.
  - Estimates federal taxation of benefits using the provisional-income
    test (single $25k / $34k and MFJ $32k / $44k tiers; up to 50% / 85%
    of benefits become taxable).
  - Computes cumulative lifetime totals and break-even ages versus claiming
    at 62 and waiting until 70.
  - Produces a Print-/Save-as-PDF view for advisor meetings.

Annual maintenance
------------------
SSA earnings limits and provisional-income tiers change. To roll the
calculator forward to a new year, open the HTML in any text editor and
update the CONSTANTS block near the top of the <script> section:

    const CONSTANTS = Object.freeze({
        RULES_YEAR: 2025,
        EARNINGS_LIMIT_PRE_FRA:      23_400,
        EARNINGS_LIMIT_YEAR_OF_FRA:  62_160,
        PROVISIONAL_TIER_1: { single: 25_000, mfj: 32_000, mfs: 0 },
        PROVISIONAL_TIER_2: { single: 34_000, mfj: 44_000, mfs: 0 },
        ...
    });

The footer year and rules-year stamps update automatically from this block.

Embedding in your website
-------------------------
You can embed the calculator in a Wix HTML iframe element by uploading the
HTML file to your site files and pointing the iframe at it. For a faster
load, you can also drop the contents of the <body> + <style> + <script>
sections directly into a Wix HTML/embed block — no external libraries
are required.

Disclaimer
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This tool is for educational and recordkeeping purposes only. It is not
legal, tax, or financial advice and does not establish an advisor-client
relationship. Social Security rules and earnings limits change annually.
Consult the Social Security Administration (ssa.gov) or a qualified
advisor before making a claiming decision.

  Beaconshire Advisory, LLC
  www.beaconshireadvisory.com
  Fractional CFO, bookkeeping, and tax strategy for growth-minded founders
