{
  "checkedDate": "2026-10-27",
  "syntheticInputs": {
    "currentAge": 32,
    "retirementAge": 65,
    "startingAmount": 80000,
    "monthlyContribution": 0,
    "annualRatePercent": 7,
    "years": 33
  },
  "scope": "Zero-contribution nominal accumulation only; does not validate full retirement plans. No independent professional financial review.",
  "observations": [
    {
      "tool": "Ramsey Retirement Calculator",
      "url": "https://www.ramseysolutions.com/retirement/retirement-calculator",
      "status": "measured",
      "displayedResult": "$800,563",
      "nominalResultRoundedUsd": 800563,
      "note": "Matches rounded 7% nominal APR compounded monthly; this convention is inferred from output, not asserted from internal source code."
    },
    {
      "tool": "Investor.gov Compound Interest Calculator",
      "url": "https://www.investor.gov/financial-tools-calculators/calculators/compound-interest-calculator",
      "status": "measured",
      "annualCompoundingUsd": 746027.18,
      "monthlyCompoundingUsd": 800562.99,
      "interestVariance": 0,
      "note": "Selected annual, then monthly; all other inputs unchanged. No inflation adjustment in these nominal results."
    },
    {
      "tool": "Calculator.net Investment Calculator",
      "url": "https://www.calculator.net/investment-calculator.html",
      "status": "measured",
      "annualCompoundingUsd": 746027.18,
      "additionalContributionTiming": "End of month; contribution zero",
      "note": "End Amount mode, annual compounding."
    },
    {
      "tool": "Boldin Simple Retirement Calculator",
      "url": "https://www.boldin.com/retirement/simple-retirement-calculator/",
      "status": "not-measured",
      "reason": "Interactive browser page showed security verification. No challenge bypassed; no account created."
    },
    {
      "tool": "NerdWallet Coast FIRE Calculator",
      "url": "https://www.nerdwallet.com/investing/calculators/coast-fire-calculator",
      "status": "not-measured",
      "reason": "Interactive browser page showed access blocked. No product output inferred from public documentation."
    }
  ]
}