Sample household. Every figure below belongs to an invented family, and the engines really run against it. Nothing here is editable. Start your own.

Tax projection

Engine v0.12.0 · ran 2026-07-29 00:42 · scenario: Baseline · inputs e405648369d1…

Flags

Year AGI Sr. ded. Taxable Fed tax NIIT Marginal To next bracket IRMAA tier To next IRMAA To NIIT
2026 446950 - 363950 72961 532 0.740 39600 4 303050 -
2027 460900 - 377900 78485 532 0.240 25650 4 289100 -
2028 475269 - 392269 82062 532 0.240 11282 4 274732 -
2029 490068 - 407068 86029 532 0.320 105382 4 259932 -
2030 505312 - 422312 91044 532 0.320 90138 4 244688 -
2031 521012 - 442416 97619 532 0.416 70034 4 228988 -
2032 537184 - 463440 104492 532 0.416 49010 4 212816 -
2033 553841 - 485094 111571 532 0.416 27356 4 196159 -
2034 570998 - 507398 118863 532 0.416 5052 4 179002 -
2035 588670 - 530370 126911 532 0.455 238330 4 161330 -
Showing the first 10 years; the projection runs 25 years, through 2050. Show all 25 years
Assumptions behind these numbers
  • Balances grow at fixed annual rates (taxable 5.0%, traditional 5.0%, Roth 5.0%).
  • COLA/inflation assumption: 2.5% per year.
  • Wage growth assumption: 3.0% per year on W-2 and self-employment income, compounding from 2026. Other income sources grow only where a COLA is recorded.
  • Interest/dividend income comes from confirmed income sources; portfolio yield is not synthesized from balances.
  • Withdrawals from taxable accounts realize 50% of each dollar as long-term capital gain.
  • Taxes are assumed paid from cash flow; withdrawal amounts are not grossed up.
  • Standing contributions from the household's tax facts (401(k)/IRA/HSA/SEP) continue in years with matching earned income; itemized components persist.
  • Years after 2026 use the 2026 tax-year parameters; future inflation adjustments to brackets and thresholds are not included.
  • State income tax for CA is not modeled in this version; state figures are omitted.
Net worth history
$12,049,000
as of July 29, 2026 · 3 point(s) on record · +0 since July 26, 2026

A point is recorded each day reviews run or an agenda is generated.

Professional review queue

Professional Severity Engine Finding
adviser info private_markets Spread evenly over 3 years, uncalled capital of $580,000 is about $193,333 a year against cash of $395,000. Cash covers about 2.0 year(s) of calls at that pace. - for discussion with a professional
adviser warn private_markets Uncalled capital of $580,000 is $185,000 more than the $395,000 of cash on file. Calls that outrun cash are met by selling something, and private interests are the least saleable holding in the household. - for discussion with a professional
adviser warn wealth 401(k) at Fidelity holds $1,250,000 - 38% of investable assets, above the 30% single-account review threshold. - for discussion with a professional
adviser info wealth Projected college cost for 2 dependent(s) - 4 years each from age 18, at $30,000 per year in today's dollars growing 5% annually - is $307,585; 529 balances on file total $62,000 (20% of the projection). - for discussion with a professional
adviser warn wealth Cash at First Republic totals $395,000, which is $145,000 above the $250,000 FDIC insurance limit for one depositor at one institution. - for discussion with a professional
adviser info wealth Cash of $1,015,000 is 31% of investable assets; uninvested balances above operating needs carry an opportunity cost. - for discussion with a professional
adviser warn private_markets Private holdings carry $8,763,000 of stated value, 73% of household net worth, above the 25% review threshold. Private marks are reported by the manager and lag traded prices. - for discussion with a professional
adviser info wealth Leftover 529 funds are eligible to roll to the beneficiary's Roth IRA under SECURE 2.0: $35,000 lifetime per beneficiary, from an account open at least 15 years, paced by the annual IRA contribution limit. - for discussion with a professional
adviser warn private_markets $580,000 of capital across 1 commitment(s) is uncalled. Capital calls run on short notice, against cash of $395,000 on file. - for discussion with a professional
attorney warn estate No financial power of attorney is on file for this household. - for discussion with a professional
attorney warn estate No healthcare power of attorney is on file for this household. - for discussion with a professional
attorney warn estate No healthcare directive is on file for this household. - for discussion with a professional
attorney high estate Roth IRA at Vanguard has no beneficiary designation on file. - for discussion with a professional
attorney high estate HSA at Fidelity has no beneficiary designation on file. - for discussion with a professional
attorney high estate 401(k) at Fidelity has no beneficiary designation on file. - for discussion with a professional
attorney info estate Will executed 2014 is older than the 5-year review threshold. - for discussion with a professional
cpa_ea info private_markets 3 holding(s) issue a Schedule K-1. K-1s often arrive after the April filing date, and an extension is the ordinary path while one is outstanding. - for discussion with a professional
cpa_ea warn private_markets Cascade Opportunity Fund II: $1,200,000 of deferred gain is scheduled for recognition on 2032-04-01, about 5 year(s) from today. The tax falls due with that year's return while the fund interest itself stays illiquid. - for discussion with a professional
cpa_ea info private_markets Cascade Opportunity Fund II: the five-year mark falls on 2032-04-01, where basis in the deferred gain rises by 10%, which is $120,000 on the gain on file. - for discussion with a professional
cpa_ea info private_markets Cascade Opportunity Fund II: the ten-year mark falls on 2037-04-01. From that date a fair-market-value election excludes appreciation earned after the investment, through 2057-04-01. - for discussion with a professional
cpa_ea info private_markets Alto Robotics: the per-issuer section 1202 cap is $15,000,000, the greater of $15,000,000 and ten times the $250,000 of basis on file. $0 of that cap is recorded as used, leaving $15,000,000. - for discussion with a professional
cpa_ea info private_markets Section 1202 turns on facts not held here: original issuance from a domestic C corporation, the 80% active-business test, the excluded trades and businesses, and the redemption rules. Figures shown for 1 holding(s) assume those tests are met. - for discussion with a professional
cpa_ea warn private_markets CA does not follow the federal section 1202 exclusion. Gain excluded on the federal return for Alto Robotics stays in state taxable income. - for discussion with a professional
cpa_ea info private_markets Alto Robotics: stock acquired 2026-02-01 reaches the 3-year section 1202 mark on 2029-02-01, where the exclusion tier is 50%. The tier at today's date is 0%. - for discussion with a professional
cpa_ea info private_markets Trust rates reach 37% at $16,000 of taxable unrelated business income, far below the income level where that rate applies on a personal return. - for discussion with a professional
cpa_ea warn private_markets Ridgeline Credit II in the Self-directed IRA reports $38,000 of gross unrelated business taxable income. At $1,000 or more of gross UBTI the account files Form 990-T, and $11,621 of tax at trust rates is paid out of the account. - for discussion with a professional
insurance high insurance Life insurance on Maya Rivera totals $1,500,000; an income-replacement multiple of 10x annual income of $320,000 corresponds to $3,200,000 - a difference of $1,700,000 while dependents are present. - for discussion with a professional
insurance high insurance Life insurance on Daniel Rivera totals $0; an income-replacement multiple of 10x annual income of $145,000 corresponds to $1,450,000 - a difference of $1,450,000 while dependents are present. - for discussion with a professional
insurance warn insurance Daniel Rivera has $145,000 of annual earned income and no disability policy on file. - for discussion with a professional
insurance warn insurance Household net worth is $12,049,000 and no umbrella liability policy is on file. - for discussion with a professional

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