I'm an engineer by training so I like spreadsheets. That said, you can plan that thing out to the tenth of a cent and in the end, it's probably useless. Way too many unknowns.
As a reference, in late 90s I saw spreadsheets that proved, PROVED, that it was financially better to punch at 19 years than stick it out till 20 and lose a year of seniority. Didn't work out so good. And all the numbers those folks put into their spreadsheets (salary, pensions, etc) all went out the window.
No one was trying to sell snake oil (maybe Kit Darby), but it all fell apart anyway.
We will all know when we retire if we made the right choice. Probably not until then.