👤 Your profile
Same info as the Taxes tab — editable from either place.
🌊 Where Year-1 income goes
Income (salary/streams, plus any portfolio withdrawal) splitting into taxes, retirement contributions, each expense category, debt payments, and savings — same numbers as the cash flow table alongside.
💵 This year's cash flow
| Item | Annual | Monthly |
|---|
🥧 Asset allocation
📈 Net worth projection
Numbers refresh whenever you run the simulation on the Retirement tab.
💼 Income streams
| Name | Category | Annual $ | Start age | End age | Growth %/yr | Fed | State | FICA | 401k % | Match % |
|---|
Social Security has its own amount and claim age on the Retirement tab instead of a stream here. Salary streams' growth rate is also set on the Retirement tab, not here. Dividend yield on a Taxable account is calculated automatically on the Accounts tab — only add a "Dividends" stream here for income not already captured that way. Leave "End age" blank for income that continues for the rest of the plan.
🥧 Income by source (annual $, today's dollars)
🧾 Paycheck breakdown
Taxes here are estimated by running just this stream's wages through the same federal/state/FICA math as the rest of the app (as if it were your only income this year) — exact for a single earner, approximate for a second income in a joint household.
Itemized breakdown
| Item | This paycheck | Annual |
|---|
At a glance
🥧 Where it goes
Taxes and 401k contributions are read-only here, same as the mortgage/car-loan rows above — edit them on the Income/Retirement tabs. Sourced from your last "Run simulation" (Retirement tab), so hit Recalculate after changing anything.
All of gross income
Bills (post-tax, post-401k)
Enter each item at whatever cadence is natural (weekly, monthly, quarterly, annual) — it's converted to monthly automatically.
🥧 Assets by account
🥧 Debts by name
🏦 Assets
| Name | Type | Balance | Cost basis (% gain) |
|---|
Multiple accounts of the same type are pooled for taxes/RMDs but stay separately named. Cash accounts don't earn a market return and are drawn from first if a shortfall hits.
💳 Debts
| Name | Type | Balance | APR % | Term (yrs) | Payment/mo |
|---|
💳 Debt Payoff
Snowball vs. avalanche vs. your own order — compared against just paying each debt's contractual minimum to its own term. Add debts on the Assets & Debts tab first.
No debts listed yet — add one on the Assets & Debts tab to use this.
Every debt still gets its own minimum payment. The extra amount above — plus any minimum freed up once a debt is paid off — all rolls onto whichever debt is highest priority and still has a balance.
📉 Total debt balance over time
📋 Payoff order detail
| Order | Debt | Balance | APR | Min. payment | Paid off |
|---|
| Ticker | Shares | Price | Value | P/E | Div Yield | Mkt Cap |
|---|
Total: —
Pre-loaded with a few dozen major companies across every sector as a starting watchlist — share counts are placeholders (10 each), edit to match your actual position (or 0/remove if you don't hold it). Click "Refresh prices" to price them.
📈 By stock
🏭 By sector
👤 Your profile
Same info as the Dashboard tab — editable from either place.
🧾 Year 1 breakdown (—)
| Item | Amount |
|---|
🥧 Total tax by type
🇺🇸 Federal brackets (—)
Ordinary income
| Rate | From | To |
|---|
Standard deduction: —
Long-term capital gains (—)
| Rate | From | To |
|---|
Source: IRS, tax year 2024 figures.
🌉 State brackets
| Rate | From | To |
|---|
Standard deduction: —
Mental health tax: —
SDI: —
🏛️ FICA
Social Security: —
Medicare: —
🏥 Healthcare assumptions
Covers every simulated year in 3 phases, in order: employer-covered while at least one salary is still coming in, an ACA marketplace estimate once you've fully retired but aren't 65 yet, then Medicare from 65 on. The card below matching your current age/retirement age is highlighted — that's the one actually shaping your plan right now; the other two are shown for reference (greyed out, since they don't apply yet) so you can see what's coming without them affecting anything today. These are planning estimates, not insurance quotes or a benefits-enrollment tool — real premiums vary by plan, county, and insurer more than any app can hardcode.
ZIP doesn't change your estimate yet — premiums below are state-level (median across a state's pricing regions). Real premiums vary by county within a state too; that precision is on the roadmap once a county-to-region mapping is wired up. ZIP is saved now so it's ready when that ships.
Click the Employer or ACA card below to pin your plan to that phase regardless of age/employment (e.g. buying your own ACA plan even while still working). Medicare at 65+ always applies automatically — real Medicare eligibility isn't something to opt out of in a planning tool.
💼 Employer-covered
Everything that's part of this job's benefits package — medical/HMO/PPO, dental, vision, an HSA/FSA, whatever applies — one flat list, freely named, editable, and deletable, just like any Expenses-tab item. Locked on the Expenses tab instead (edit here, not there). All of it stops once you leave employer coverage (ACA/Medicare years get $0 for the whole bundle) — for ongoing standalone dental/vision after retiring, add a plain item directly on the Expenses tab instead.
| Item | Amount | Frequency | Pre-tax ⓘ |
|---|
Total this year: —/mo.
🏛️ ACA Marketplace
How is this calculated?
The subsidy dollar amount is always based on the Silver benchmark plan (the ACA's "SLCSP" rule) regardless of which tier you pick here — it then applies as a discount toward whatever tier's premium you actually pay. Silver plans are also the only tier eligible for extra cost-sharing reductions (lower deductibles) below 250% of the poverty line, not modeled here.
Poverty-line thresholds: HHS/ASPE 2025 guidelines. Subsidy percentages: IRS Rev. Proc. 2025-25 (cliff model) and the 2021 American Rescue Plan Act (no-cliff model).
🏥 Medicare
Rough Part B + D + supplemental estimate, not IRMAA-bracket-accurate — no external source, adjust to your own expectation.
📈 Healthcare cost over time
Employer-covered while working, then transitions to an ACA premium at retirement (if before 65) and the flat Medicare estimate at 65.
📊 Income as % of the federal poverty line
The dashed line at 400% marks the subsidy cliff under current law — a spike above it (e.g. from a large Roth conversion) means losing the ACA subsidy entirely that year.
📊 Net worth (median & probability range)
Range and axis apply to every chart on this tab.
🏦 Assets & debts breakdown
💵 Income sources vs. expenses
🧾 Tax breakdown
🎉 Event spend
📋 Year-by-year detail
🏛️ Estate
A rough projection of what's left for your beneficiaries, built from the same Monte Carlo paths as the Retirement tab — not tax or legal advice. Doesn't model estate tax, step-up in cost basis, probate, trusts, or a will/beneficiary-designation checklist.
📈 Net worth range over time
The marked age is where the metric cards and beneficiary amounts above/below are read from.
👪 Beneficiaries
Split the median projected estate by percentage. Informational only — doesn't feed back into the simulation.
| Name | Share (%) | Median amount |
|---|
🚦 Leading indicators & recession risk
Thresholds are widely-cited rules of thumb (e.g. the Sahm Rule's 0.50 trigger), not a validated model — a dashboard for orientation, not a signal to act on alone.