Client Info
Client 1
Client 2
Pensions, annuities, rental income, and other recurring passive income streams.
Client 1's Social Security
Enter your expected benefit at full retirement age and claiming age.
Tell us when you plan to start claiming benefits.
Client 2's Social Security
Enter your expected benefit at full retirement age and claiming age.
Tell us when you plan to start claiming benefits.
Note: For households with non-covered foreign pensions, WEP/GPO adjustments apply. Foreign-equivalent benefits and totalization are tracked under Scenarios → Social Security Optimization.
Taxable or non-taxable flows not covered above — capital gains distributions, rental income, alimony, windfalls, bonuses.
Essential, non-negotiable living costs — housing, food, utilities, healthcare, insurance, taxes.
Aging-related and long-term-care reserve — home modifications, in-home care, assisted living, medical buffer.
Annuity purchase costs — automatically populated when you mark an Other Income stream as an Annuity and enter a purchase price.
One-time or irregular outlays — vehicle replacement, education, weddings, home repairs, gifts.
Edit any cell. Pre-filled with 2026 values.
Federal Income Tax
| Rate | MFJ | Single | Estates & Trusts |
|---|---|---|---|
| 10% | – |
– |
– |
| 12% | – |
– |
— |
| 22% | – |
– |
— |
| 24% | – |
– |
– |
| 32% | – |
– |
— |
| 35% | – |
– |
– |
| 37% | Over |
Over |
Over |
Standard Deductions
| Filing Status | Standard Deduction | Additional (Age 65+ or Blind) |
|---|---|---|
| MFJ | per eligible spouse |
|
| Single | unmarried (single, HOH) |
Long-Term Capital Gains Tax
| Rate | MFJ | Single | Estates / Trusts |
|---|---|---|---|
| 0% | Up to |
Up to |
Up to |
| 15% | – |
– |
– |
| 20% | Over |
Over |
Over |
Rates apply to LTCGs and qualified dividends, based on taxable income (income after deductions).
Select a state to auto-fill 2026 rates. All fields remain editable.
State
Income Tax
Standard Deduction
Long-Term Capital Gains
Planning Assumptions
Key financial metrics and planning assumptions based on your profile data.
Enriched Lifestyle Calculation
| Item | Amount |
|---|---|
| Total Assets | $0 |
| Delayed Period Shortage | $0 |
| Buffer / Aging / LTC Total | $0 |
| Annuities | $0 |
| Other | $0 |
| Enriched Lifestyle | $0 |
Foundational Lifestyle Delay Period Shortage Calculation
| Year | Foundational Lifestyle | Secure Income | Social Security | Other | Shortage |
|---|
Annuity Planning
Phase 1 Detail
| Year | Foundational Lifestyle | Secure Income | Social Security | Other | Shortage |
|---|
Phase 2 Detail
| Year | Foundational Lifestyle | Secure Income | Social Security | Other | Shortage |
|---|
Configure the order in which accounts are drawn down. Accounts are depleted from top to bottom.
Withdrawal Draw Order
Rules
Year-by-year withdrawal plan showing account draws, estimated taxes, and planning flags. Click a row for details.
| Year | Age | Spending | Income | Shortage | Taxable Draw | Trad. Draw | Roth Draw | Canadian Assets | Foreign Draw | RMD | Est. Tax | Flags |
|---|