✅ Imported from Separation Package Analyzer (AL-24)
A — Personal & Break Parameters
B — Benefits & Retirement
2025 avg: ~$584 individual / ~$1,850 family
Leave blank to auto-fill from annual salary ÷ 12.
Total Direct Cost
—
Lost income + living + COBRA
401(k) Gap (30-yr)
—
Compounding cost of break
Break Runway
—
vs. planned break
SS Lifetime Impact
—
Est. lifetime SS reduction
401(k) Compounding Gap by Horizon
| Horizon | Without Break | With Break | Gap |
|---|---|---|---|
| Run analysis to populate | |||
Assumes 6.5% nominal annual return · Monthly compounding · 2024 IRS 401(k) limits
Break Timing NPV Comparison (3% discount rate)
NPV of lost income + 401(k) gap discounted at 3% · 3% salary growth assumption · 30-yr horizon
Social Security Impact (Simplified Estimate)
Simplified estimate; actual SS benefits depend on full earnings history. Use SSA.gov My Social Security for precise projections. Based on 2024 SSA bend-point model and 2024 SS wage base ($168,600).
✅ Imported from Career Transition Suite (AL-08+14)
Reentry Parameters
Role & Career Horizon
Reentry Salary (Mid)
—
Midpoint estimate
Salary Penalty
—
vs. pre-break salary
Recovery Timeline
—
Years to salary parity
Lifetime Earnings Delta
—
NPV at 3% discount rate
Reentry Salary Range
Low
Mid
High
Skills Depreciation Risk
Cross-reference: AL-03 Human Capital Engine models full skill depreciation curves by domain.
Earnings Recovery Timeline
Lifetime Earnings Delta Breakdown (NPV)