Editorial Policy

Tax limits, brackets, poverty guidelines, Medicare premiums and similar figures come from the government documents that publish them: IRS revenue procedures and publications, HHS poverty guidelines, and SSA and CMS releases. The figures in our reference database are listed with their sources on the reference page, and where one comes from a source other than a government body, that page says so.

Every figure declares how it changes over time. Figures tied to a tax year move when the new year’s figures are published; standing rules and dated history do not change. A figure the site tracks is either written into an article as a live reference, which updates automatically, or checked by a scanner that flags published articles still quoting a superseded value.

Projections, scenario answers and calculator results come from one projection engine and the shared assumptions it reads, so the same question gets the same answer everywhere on the site. When the engine changes, cached results are recomputed and articles that quote engine figures are flagged for re-checking. The assumptions, and what the engine does not model, are set out on the methodology page.

Every change runs automated tests. Engine calculations are checked across thousands of simulated households, each change is tested by deliberately breaking it and confirming a test catches the break, and once a new engine version is deployed its results are compared field by field with the tested code before the release is announced.

Rightmont is built and operated with extensive use of AI tools, and our articles are written with AI assistance. No page is attributed to an individual financial professional. Figures in articles are checked against the engine and the sources above by automated checks. See the AI disclaimer.

Our articles and calculation pages carry no sponsored placements and no affiliate links to financial products.

When we find an error, we correct it and record it here with the date, what was wrong, and what the page says now. To report one, contact support.

1. 2026-09-13 · Future-value calculation pages (for example, "What will $300k grow to in 20 years?")

   What was wrong. The page description promised what the money would be worth after inflation, but the page only gave the nominal figure and called the inflation-adjusted value "meaningfully lower".

   Now. Every page now states the value in today's dollars in its answer and shows it at every return in a second table, using the site's stated inflation assumption.

2. 2026-09-12 · FIRE Number Calculator

   What was wrong. The page description said the calculator includes taxes, inflation and Social Security. It computes annual spending multiplied by 25, the 4% rule, and nothing else.

   Now. The description now says what the calculator does, and the page explains separately what taxes, healthcare before 65 and Social Security change.

3. 2026-09-12 · Health insurance before 65: every option for early retirees

   What was wrong. An FAQ said the 400% of poverty "subsidy cliff" had been eliminated. The enhanced subsidies that suspended it expired after 2025, so for 2026 the cliff applies again. The article also gave 9.02% as the 2026 employer-coverage affordability threshold; that was the 2025 figure.

   Now. The FAQ now explains that the suspension ended after 2025. The threshold is the 2026 figure, 9.96% (IRS Rev. Proc. 2025-25), and updates each year automatically.

4. 2026-09-12 · Healthcare before 65 and the Roth conversion ladder guide

   What was wrong. Poverty-line figures used for 2025 coverage ($60,240 and $81,760 at 400%, and a couple's poverty line given as about $22,020) were presented as 2026 figures, and one passage described the expired 8.5% premium cap as current.

   Now. These passages now cite the current HHS poverty guideline and the 2026 IRS applicable-percentage table, and update each year automatically.

5. 2026-09-12 · Plan projections with healthcare modeled before 65

   What was wrong. When the credit paid in advance during the year was lower than the credit a household was owed, the difference was never paid back to the household in the projection. Some early-retirement plans showed tens of thousands of dollars less in premium tax credits than they would receive.

   Now. The year-end reconciliation now works in both directions, the way IRS Form 8962 does: an overpaid credit is repaid and an underpaid one is refunded the following year.

6. 2026-09-11 · Plan projections with healthcare modeled before 65

   What was wrong. The share of income a household is expected to pay toward a marketplace plan was approximated with a straight line from 2% to 9.5%, rather than the IRS table.

   Now. The projection now uses the IRS applicable-percentage table for the tax year (Rev. Proc. 2025-25 for 2026), exactly within every income band.

Everything here is for education and is not financial, tax or legal advice. See the financial disclaimer.