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Tax projection
Engine v0.12.0 · ran 2026-07-29 00:42 · scenario: Baseline · inputs e405648369d1…
Flags
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2026 the child tax credit is partially phased out - $2,050 of $4,400 remains at MAGI $446,950; each additional $1,000 of income reduces it by $50.discuss with a professional (cpa_ea)
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2026–2050 net investment income tax applies (MAGI $446,950 exceeds the $250,000 threshold).25 years, figures shown are 2026 · discuss with a professional (cpa_ea)
Year by year
- 2026: net investment income tax applies (MAGI $446,950 exceeds the $250,000 threshold).
- 2027: net investment income tax applies (MAGI $460,900 exceeds the $250,000 threshold).
- 2028: net investment income tax applies (MAGI $475,268 exceeds the $250,000 threshold).
- 2029: net investment income tax applies (MAGI $490,068 exceeds the $250,000 threshold).
- 2030: net investment income tax applies (MAGI $505,312 exceeds the $250,000 threshold).
- 2031: net investment income tax applies (MAGI $521,012 exceeds the $250,000 threshold).
- 2032: net investment income tax applies (MAGI $537,184 exceeds the $250,000 threshold).
- 2033: net investment income tax applies (MAGI $553,841 exceeds the $250,000 threshold).
- 2034: net investment income tax applies (MAGI $570,998 exceeds the $250,000 threshold).
- 2035: net investment income tax applies (MAGI $588,670 exceeds the $250,000 threshold).
- 2036: net investment income tax applies (MAGI $606,871 exceeds the $250,000 threshold).
- 2037: net investment income tax applies (MAGI $625,619 exceeds the $250,000 threshold).
- 2038: net investment income tax applies (MAGI $644,929 exceeds the $250,000 threshold).
- 2039: net investment income tax applies (MAGI $664,818 exceeds the $250,000 threshold).
- 2040: net investment income tax applies (MAGI $685,304 exceeds the $250,000 threshold).
- 2041: net investment income tax applies (MAGI $706,405 exceeds the $250,000 threshold).
- 2042: net investment income tax applies (MAGI $728,138 exceeds the $250,000 threshold).
- 2043: net investment income tax applies (MAGI $750,524 exceeds the $250,000 threshold).
- 2044: net investment income tax applies (MAGI $773,581 exceeds the $250,000 threshold).
- 2045: net investment income tax applies (MAGI $797,330 exceeds the $250,000 threshold).
- 2046: net investment income tax applies (MAGI $821,792 exceeds the $250,000 threshold).
- 2047: net investment income tax applies (MAGI $1,034,983 exceeds the $250,000 threshold).
- 2048: net investment income tax applies (MAGI $1,069,501 exceeds the $250,000 threshold).
- 2049: net investment income tax applies (MAGI $1,104,256 exceeds the $250,000 threshold).
- 2050: net investment income tax applies (MAGI $1,141,041 exceeds the $250,000 threshold).
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2026–2050 MAGI of $446,950 is above the $252,000 Roth IRA direct-contribution limit; nondeductible traditional contributions and conversions are a topic for a tax professional.25 years, figures shown are 2026 · discuss with a professional (cpa_ea)
Year by year
- 2026: MAGI of $446,950 is above the $252,000 Roth IRA direct-contribution limit; nondeductible traditional contributions and conversions are a topic for a tax professional.
- 2027: MAGI of $460,900 is above the $252,000 Roth IRA direct-contribution limit; nondeductible traditional contributions and conversions are a topic for a tax professional.
- 2028: MAGI of $475,268 is above the $252,000 Roth IRA direct-contribution limit; nondeductible traditional contributions and conversions are a topic for a tax professional.
- 2029: MAGI of $490,068 is above the $252,000 Roth IRA direct-contribution limit; nondeductible traditional contributions and conversions are a topic for a tax professional.
- 2030: MAGI of $505,312 is above the $252,000 Roth IRA direct-contribution limit; nondeductible traditional contributions and conversions are a topic for a tax professional.
- 2031: MAGI of $521,012 is above the $252,000 Roth IRA direct-contribution limit; nondeductible traditional contributions and conversions are a topic for a tax professional.
- 2032: MAGI of $537,184 is above the $252,000 Roth IRA direct-contribution limit; nondeductible traditional contributions and conversions are a topic for a tax professional.
- 2033: MAGI of $553,841 is above the $252,000 Roth IRA direct-contribution limit; nondeductible traditional contributions and conversions are a topic for a tax professional.
- 2034: MAGI of $570,998 is above the $252,000 Roth IRA direct-contribution limit; nondeductible traditional contributions and conversions are a topic for a tax professional.
- 2035: MAGI of $588,670 is above the $252,000 Roth IRA direct-contribution limit; nondeductible traditional contributions and conversions are a topic for a tax professional.
- 2036: MAGI of $606,871 is above the $252,000 Roth IRA direct-contribution limit; nondeductible traditional contributions and conversions are a topic for a tax professional.
- 2037: MAGI of $625,619 is above the $252,000 Roth IRA direct-contribution limit; nondeductible traditional contributions and conversions are a topic for a tax professional.
- 2038: MAGI of $644,929 is above the $252,000 Roth IRA direct-contribution limit; nondeductible traditional contributions and conversions are a topic for a tax professional.
- 2039: MAGI of $664,818 is above the $252,000 Roth IRA direct-contribution limit; nondeductible traditional contributions and conversions are a topic for a tax professional.
- 2040: MAGI of $685,304 is above the $252,000 Roth IRA direct-contribution limit; nondeductible traditional contributions and conversions are a topic for a tax professional.
- 2041: MAGI of $706,405 is above the $252,000 Roth IRA direct-contribution limit; nondeductible traditional contributions and conversions are a topic for a tax professional.
- 2042: MAGI of $728,138 is above the $252,000 Roth IRA direct-contribution limit; nondeductible traditional contributions and conversions are a topic for a tax professional.
- 2043: MAGI of $750,524 is above the $252,000 Roth IRA direct-contribution limit; nondeductible traditional contributions and conversions are a topic for a tax professional.
- 2044: MAGI of $773,581 is above the $252,000 Roth IRA direct-contribution limit; nondeductible traditional contributions and conversions are a topic for a tax professional.
- 2045: MAGI of $797,330 is above the $252,000 Roth IRA direct-contribution limit; nondeductible traditional contributions and conversions are a topic for a tax professional.
- 2046: MAGI of $821,792 is above the $252,000 Roth IRA direct-contribution limit; nondeductible traditional contributions and conversions are a topic for a tax professional.
- 2047: MAGI of $1,034,983 is above the $252,000 Roth IRA direct-contribution limit; nondeductible traditional contributions and conversions are a topic for a tax professional.
- 2048: MAGI of $1,069,501 is above the $252,000 Roth IRA direct-contribution limit; nondeductible traditional contributions and conversions are a topic for a tax professional.
- 2049: MAGI of $1,104,256 is above the $252,000 Roth IRA direct-contribution limit; nondeductible traditional contributions and conversions are a topic for a tax professional.
- 2050: MAGI of $1,141,041 is above the $252,000 Roth IRA direct-contribution limit; nondeductible traditional contributions and conversions are a topic for a tax professional.
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2047–2050 the $187,996 required minimum distribution is fully taxable; up to $111,000 of it could be met by a qualified charitable distribution, which is excluded from income.4 years, figures shown are 2047 · discuss with a professional (cpa_ea)
Year by year
- 2047: the $187,996 required minimum distribution is fully taxable; up to $111,000 of it could be met by a qualified charitable distribution, which is excluded from income.
- 2048: the $196,563 required minimum distribution is fully taxable; up to $111,000 of it could be met by a qualified charitable distribution, which is excluded from income.
- 2049: the $204,588 required minimum distribution is fully taxable; up to $111,000 of it could be met by a qualified charitable distribution, which is excluded from income.
- 2050: the $213,841 required minimum distribution is fully taxable; up to $111,000 of it could be met by a qualified charitable distribution, which is excluded from income.
| 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 | - |
| 2036 | 606871 | - | 553871 | 135300 | 532 | 0.350 | 214829 | 4 | 143129 | - |
| 2037 | 625619 | - | 572619 | 142030 | 532 | 0.350 | 196081 | 4 | 124381 | - |
| 2038 | 644929 | - | 591929 | 148962 | 532 | 0.350 | 176771 | 4 | 105071 | - |
| 2039 | 664818 | - | 611818 | 156103 | 532 | 0.350 | 156882 | 4 | 85182 | - |
| 2040 | 685304 | - | 632304 | 163457 | 532 | 0.350 | 136396 | 4 | 64696 | - |
| 2041 | 706405 | - | 653405 | 171032 | 532 | 0.350 | 115295 | 4 | 43595 | - |
| 2042 | 728138 | - | 675138 | 178835 | 532 | 0.350 | 93562 | 4 | 21862 | - |
| 2043 | 750524 | - | 697524 | 186871 | 532 | 0.350 | 71176 | 4 | - | |
| 2044 | 773581 | - | 720581 | 195149 | 532 | 0.350 | 48119 | 4 | - | |
| 2045 | 797330 | - | 744330 | 203675 | 532 | 0.350 | 24370 | 5 | - | |
| 2046 | 821792 | - | 768792 | 212458 | 532 | 0.370 | 5 | - | ||
| 2047 | 1034983 | - | 981983 | 291565 | 532 | 0.370 | 5 | - | ||
| 2048 | 1069501 | - | 1016501 | 304571 | 532 | 0.370 | 5 | - | ||
| 2049 | 1104256 | - | 1051256 | 317671 | 532 | 0.370 | 5 | - | ||
| 2050 | 1141041 | - | 1088041 | 331529 | 532 | 0.370 | 5 | - |
Showing all 25 projected years, through 2050.
Show the first 10 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 |
Open tasks
- Will executed April 2014 is older than the 5-year review threshold. due Aug. 26, 2026