Financial Planning Tool

Final Net Worth (Today's Dollars)

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end of plan

Starting Net Worth

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today

Avg Annual Income

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gross, all sources

Avg Effective Tax

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federal + state

Retirement Years

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portfolio draw needed

📍 Snapshot — Today

Total Assets Today

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as of today

Equities

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Fixed Income

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Cash

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Assets by Account Type

Current balances, grouped by account type

Household Asset Allocation

Equities, Fixed Income & Cash, weighted across all accounts

Net Worth Projection

Total assets minus liabilities, backward inflation-adjusted to today's dollars (faint line = actual/nominal future dollars, before adjustment)

Sources of Income

Annual income by source

Account Mix Over Time

Balances grouped by tax treatment

🎨 Custom Chart Builder

Pick any accounts, any view — a first building block toward slides/reports (more views coming)

A — Basics Required for all plans

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Name — Primary Used to label account rows

Name — Spouse Leave blank if no spouse

Filing Status *

DOB — Primary *

DOB — Spouse Leave blank if no spouse

Plan Start Year *

Plan End Year *

Inflation Assumption %

Est. Annual MAGI ($) Used to flag Roth eligibility & IRMAA tier

State of Residence

B — Employment & Income

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Currently employed (W-2 or self-employed)?

Employment Type

Annual Salary / Net Income ($)

401(k) / Workplace Plan Available?

Employer Match (% of salary)

Pension / defined benefit income?

Annual Pension Amount ($)

COLA % per year

Survivor Benefit % to Spouse

Government Pension? (WEP/GPO may apply)

Rental / investment property income?

Annual Net Rental Income ($)

Passive Loss Carryforward ($)

C — Account Inventory

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Check each account type held, by owner. Each checked box creates a ready-to-fill row on the Inputs tab (highlighted amber until you complete it).

Account Type	Primary	Spouse
Traditional IRA
Roth IRA
401(k) / 403(b)
HSA
Taxable Brokerage (individual)
Taxable Brokerage (joint)

Other account types & flags:

529 College Savings

Inherited IRA

IRA with non-deductible basis (Form 8606)?

529 Plan Details

Current Balance ($)

Beneficiary DOB

Year Account Was Opened

Planned Annual Distribution ($)

Distribution Start Year

Distribution End Year

Inherited IRA — 10-Year Rule

Year Inherited

10-Year Rule Deadline

D — Retirement & Social Security

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Planning to claim Social Security?

SS Benefit — Primary ($/yr at FRA)

Claiming Age — Primary

SS Benefit — Spouse ($/yr at FRA)

Claiming Age — Spouse

Client has ongoing charitable giving?

Planning Roth conversions?

First Conversion Year

Annual Conversion Amount ($)

E — Special Situations

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Government pension — WEP / GPO applies?

Pre-Medicare (under 65) — ACA / COBRA coverage?

Annual Health Insurance Premium ($)

Medicare Eligibility Year

Long-term care insurance?

Annual LTC Premium ($)

Daily Benefit ($)

Estate planning — gifting, trusts, life insurance?

Annual Gifting Amount ($)

Number of Gift Recipients

Gift Start Year

Gift End Year (optional)

Life Insurance — Face Value ($)

Life Insurance — Annual Premium ($)

Estimated Total Estate Value ($)

Trust in Place?

Ready to build the projection?

Fill in the required fields marked with ✱ above.

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Household & Global Settings

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Accounts & Assets

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Income & Expenses

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One-Time Financial Events

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Social Security

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Mortgage & Real Estate

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Healthcare & Long-Term Care

Annual Projection

shortfall year

📖 IRS Rules Reference 2025

All values used by the projection engine. Updated annually from IRS Revenue Procedures. To update for a new tax year, edit the YAML files in data/rules/ and restart the server.

Contribution Limits

Account Type	Base Limit	Catch-Up Limit	Catch-Up Age	Source
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Roth IRA Income Phase-Outs (2025)

Filing Status	Phase-Out Begins	Phase-Out Complete	Source
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Qualified Charitable Distribution (QCD)

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RMD Start Age (SECURE 2.0)

Birth Year	RMD Starts At Age
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Year:

Gross Distributions & Interest

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Portfolio Reinvestment

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Spendable Cash

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Net Surplus / Gap

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Income Sources

Source	Type	Annual	%
Select a client and open this tab to load.

Expenses

Category	Annual	%
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Financial Scenarios

📑 Report Builder

Build slides, then compile into a branded PDF — cover page and disclosures added automatically.

Report Title (cover page)

🚀 Generate Phase Report — recommended, one click

A polished, Dashboard-style report: title, KPI tiles, and charts laid out together on each page — not one chart per page. Each selected view also gets its own Balances page (Assets by Account Type + Allocation), anchored to that phase — today for Current, at retirement for Start→Retirement, end of plan for Post-Retirement.

Current Start → Retirement Post-Retirement

Advanced: build individual slides for finer control

📊 Add Slides from Dashboard

Captures the ACTUAL Dashboard charts for a chosen view — one page per chart, with an optional commentary box on each. Run the same chart again under a different Phase View or Scenario to build a side-by-side comparison, one slide at a time.

Phase View

Scenario

or compare scenarios

📈 Scenario Comparison Report — mirrors the Dashboard, per scenario

Pick already-run scenarios (e.g. a different Growth Rate layer per scenario) and get a full Dashboard-style page per scenario — KPI tiles, Net Worth, Sources of Income, Account Mix — plus its own Balances page (Assets by Account Type + Allocation), so assumptions can be compared side by side in one PDF. Run scenarios in the Scenario Builder tab first.

or build a fully custom slide

No individual slides yet — optional, only needed for finer control than the Phase Report above.

🎨 Layout Builder

Freeform pages — drop in dashboard charts and text, move and resize them anywhere, and export a multi-page PDF.

Layout

Scenario

Layouts also save automatically with the main 💾 Save button (top bar) — this button is here so you don't have to leave the tab.

Templates (shared across all clients)

No layouts yet — click "+ New Layout" to start designing a page.

📊 Financial Planning Tool

📍 Snapshot — Today

Assets by Account Type

Household Asset Allocation

Net Worth Projection

Sources of Income

Account Mix Over Time

🎨 Custom Chart Builder

A — Basics Required for all plans

B — Employment & Income

C — Account Inventory

D — Retirement & Social Security

E — Special Situations

⚡ Rules That Apply

Household & Global Settings

Accounts & Assets

Income & Expenses

One-Time Financial Events

Social Security

Mortgage & Real Estate

Healthcare & Long-Term Care

Annual Projection

📖 IRS Rules Reference 2025

Contribution Limits

Roth IRA Income Phase-Outs (2025)

Qualified Charitable Distribution (QCD)

RMD Start Age (SECURE 2.0)

Financial Scenarios

📑 Report Builder

🚀 Generate Phase Report — recommended, one click

📊 Add Slides from Dashboard

📈 Scenario Comparison Report — mirrors the Dashboard, per scenario

🎨 Layout Builder

📊 Financial Planning Tool

📍 Snapshot — Today

Assets by Account Type

Household Asset Allocation

Net Worth Projection

Sources of Income

Account Mix Over Time

🎨 Custom Chart Builder

A — Basics Required for all plans

B — Employment & Income

C — Account Inventory

D — Retirement & Social Security

E — Special Situations

⚡ Rules That Apply

Household & Global Settings

Accounts & Assets

Income & Expenses

One-Time Financial Events

Social Security

Mortgage & Real Estate

Healthcare & Long-Term Care

Annual Projection

📖 IRS Rules Reference 2025

Contribution Limits

Roth IRA Income Phase-Outs (2025)

Qualified Charitable Distribution (QCD)

RMD Start Age (SECURE 2.0)

Financial Scenarios

📑 Report Builder

🚀 Generate Phase Report — recommended, one click

📊 Add Slides from Dashboard

📈 Scenario Comparison Report — mirrors the Dashboard, per scenario

🎨 Layout Builder

Add Item