Dashboard values update automatically as you enter your data in each module. Start by opening each module tab and filling in your actual balances, rates, and holdings.
| Account / module | Type | Tax | Current | Year-end | Change | % |
|---|
Economic exposure
By category
| Category | Sub-category | Balance | % | Sources |
|---|
SS claim age:
Pension start:
Life exp:
COLA:
SSPensionSMAPriv. credit (Roth)
| Year | Age | SS | Pension | SMA | PC Roth | Total | Monthly | Tax notes |
|---|
SS fixed at 85% taxable. SMA at 52% taxable (exclusion ratio). Private credit (Roth) tax-free. Pension fully taxable. Virginia 5.75% applies to all taxable income.
| Tax character | Account | Balance | % | Notes |
|---|
Income stream tax treatment
| Stream | Treatment | Est. annual (full run rate) | Notes |
|---|
Estimates only — not tax advice. Consult your advisor on QSBS eligibility, SMA exclusion ratio, and SS combined income threshold annually.
Your SSA.gov benefit estimates (pre-populated — update when SSA issues new figures)
Monthly nominal amounts from your SSA.gov statement. Adjust when you receive updated estimates. Amounts reflect your earnings record as of the statement date.
Assumptions
Current age
56
COLA rate
2.5%
Life expectancy
90
| Claim age | Monthly (nominal) | Monthly (COLA adj.) | Annual yr 1 | Cum by 80 | Cum by 85 | Cum by 90 | Breakeven vs 70 |
|---|
Claim 62Claim 67Claim 70Your selection
| Year | Age | Monthly benefit | Annual benefit | Cumulative | vs. waiting to 70 |
|---|
Filing status: Married Filing Jointly. SS is fixed at 85% taxable — your combined income consistently exceeds the combined income threshold. Virginia also taxes SS.
Enter your actual monthly pension amounts for each starting age in the grid below. Leave at 0 for ages not applicable. Ages 74–75 are estimates from your pension administrator.
Assumptions
Current age
56
Life expectancy
90
Planned start age
Payments begin in May of start year (8 months first year)
COLA
None — fixed payments
Monthly pension amount by start age — enter your actual figures
| Start age | Monthly benefit | First year (8 mo.) | Annual (full yr) | Lifetime total | vs age 70 |
|---|
Cumulative lifetime pension income. Crossover = breakeven vs your selected start age.
| Year | Age | Months paid | Annual income | Cumulative |
|---|
Enter your actual monthly SMA payment amount below. All other dates are pre-set: March 2026 – February 2040.
Secondary Market Annuity
Monthly payment
$
Enter your actual monthly amount
First payment
March 2026
Last payment
February 2040
Tax treatment: 52% taxable per your exclusion ratio (48% = tax-free return of principal). Category: Fixed Income → Structured / Secondary Market Annuity. Virginia taxes the taxable portion at 5.75%.
| Tax year | Months paid | Annual income | Taxable (52%) | Tax-free (48%) | Cumulative received | Remaining balance |
|---|
RemainingCumulative received
Enter your actual HSA starting balance. Employer contributions are editable year-by-year inline in the schedule. Add your investment holdings to enable blended return. 2026 limits pre-populated: $8,750 family HDHP, $1,000 catch-up, your max = $5,375.
Assumptions
Starting balance
$
Enter your actual HSA balance
Growth rate
7.0%
Slider
Limit inflation
2.0%
Current age
56
2026 family HDHP limit (IRS confirmed)
$
Your max allowable (½ family + $1,000 catch-up)
$5,375
Catch-up (age 55+)
$1,000
Fixed by IRS — not inflation-indexed
| Year | Age | Phase | Your max | Employer contrib | Your deposit | Distribution | Inflated limit | Year-end balance |
|---|
Your deposit = your max allowable − employer contribution. Edit employer contribs and distributions inline. Contributions stop at Medicare eligibility (age 65). Strategy: invest and reimburse medical expenses from taxable funds, leaving HSA to compound tax-free.
BalanceYour cumul. depositsEmployer cumul.
Add your actual HSA investments. Weighted blended return drives the growth rate in the schedule (overrides slider).
| Name | Category | Sub-category | Balance | Return % | 1-yr gain | % |
|---|
By category
| Category | Sub-category | Balance | % |
|---|
| Milestone | Year | Age | Projected balance | Note |
|---|
Enter your actual Roth IRA balances for Private Credit and Private Equity separately. Adjust yield, reinvestment %, and PE return to match your fund agreements.
PC balancePE balanceAnnual cash flow
| Year | Age | PC balance | PE balance | Total Roth IRA | Cash flow | Cumul. cash flow |
|---|
All growth and distributions are tax-free. Cash flow = PC yield taken as income vs. reinvested. Use snapshot slider to view point-in-time values at any future year.
Starting PC balance
$
Enter actual Roth PC balance
Annual yield %
10.0%
Reinvestment %
50%
Cash flow % (distributed)
50%
| Year | Age | Start bal | Additions | Yield % | Total yield | Reinvest % | Reinvested | Cash flow | End bal |
|---|
Starting PE balance
$
Enter actual Roth PE balance
Annual return
12.0%
Projection years
20
| Year | Age | Start bal | Annual gain | End bal | Total gain | MOIC |
|---|
Enter your actual tIRA balance and holdings. Enter Roth conversion amounts year-by-year in the Conversion Schedule. RMDs begin at age 75 (born 1960+, SECURE 2.0). You are doing in-kind conversions, so holdings mirror the same allocation inside the Roth.
| Name | Category | Sub-category | Balance | Return % | 1-yr gain | % |
|---|
By category
| Category | Sub-category | Balance | % |
|---|
tIRA balance
$
Enter actual balance
Growth rate
7.0%
Slider
Current age
56
RMD begins at
Age 75
Born 1960+ per SECURE 2.0
| Year | Age | Start bal | Growth | Conversion | End bal | Fed tax | VA (5.75%) | Total tax |
|---|
Orange = RMD age reached with balance remaining. Fed tax: 2026 MFJ brackets on top of income from Bracket Optimizer. Enter conversion amounts inline. Virginia flat 5.75%.
Your income
Husband's income
Deductions — Married Filing Jointly
Suggests conversion headroom to fill current bracket. Does not model IRMAA or SS combined income impact — consult your advisor.
No-conversion scenario. Shows mandatory distributions if tIRA is left to grow untouched. RMDs begin age 75 (SECURE 2.0). Compare with conversion schedule to see urgency of converting before 75.
| Year | Age | Balance (no conv.) | IRS factor | RMD | Est. fed tax (22%) |
|---|
With conversionsNo conversionsCumulative converted
Gap = tax exposure eliminated by converting at lower rates before RMDs begin at 75.
Enter your actual 401(k) holdings, balances, and expected return rates. Traditional (pre-tax) account. Tax character: Tax-Deferred.
| Name | Category | Sub-category | Balance | Return % | 1-yr gain | % |
|---|
By category
| Category | Sub-category | Balance | % |
|---|
Enter your actual TreasuryDirect I Bond balance and current composite rate. Update each May and November when TreasuryDirect publishes new rates.
I Bonds — TreasuryDirect
Current balance
$
Enter actual TreasuryDirect balance
Composite rate (%)
%
Enter to 2 decimal places
Project to year
2035
Last updated
Update each May & November
Category: Fixed Income → Inflation-Protected (TIPS / I Bonds). Tax character: Tax-deferred federally until redemption; exempt from Virginia state tax. 2026 composite rate pre-populated at 3.11%.
| Year | Age | Rate applied | Interest earned | Year-end balance | Total gain |
|---|
Rate held constant at current composite rate. Update when TreasuryDirect publishes new rates each May and November.
Enter your actual starting ARR (Jan 1, 2026), ownership percentage (3 decimal places), cost basis, and expected ARR growth rates. All figures are pre-tax. This investment qualifies as QSBS under Section 1202 — confirm eligibility with your tax advisor each year.
Company details
Starting ARR (Jan 1, 2026)
$
Value entering 2026 (end of 2025). Enter actual ARR.
My ownership %
%
Enter to 3 decimal places
Cost basis (amount invested)
$
Enter actual investment amount
Exit year
2031
Uses end-of-year ARR
ARR growth schedule — growth applied end of each year
| Year | Timing | Growth % | ARR (start of yr) | ARR growth ($) | ARR (end of yr) | Multiple | Company val. (EOY) | My share (EOY) | MOIC |
|---|
Start-of-year ARR = prior year's end-of-year ARR. Growth applied during year → end-of-year ARR used for exit valuation. Green row = selected exit year. Enter actual growth rates.
Exit valuation — bear / base / bull scenarios
Bear multiple
4.0×
Base multiple
8.0×
Bull multiple
15.0×
QSBS (Section 1202): federal tax-free on qualifying gain. Confirm eligibility annually with your tax advisor. Net worth dashboard uses end-of-2026 implied valuation (base case multiple). Private Investments → Private Equity.
Enter your actual accounts below — checking, savings, CDs, MYGA, taxable private credit, and anything else not covered by the other modules. Four placeholder accounts are pre-seeded; update with your actuals.
| Institution | Account | Category | Sub-category | Balance | Rate % | Type | Distributions | Year-end | Tax |
|---|
Growth = interest reinvested. Income = interest paid out, balance stays flat. Year-end = balance + interest (if Growth) − distributions.
| Category | Sub-category | Balance | Interest | Distributions | Year-end | % |
|---|
| Tax character | Account | Balance | Year-end | % |
|---|
Enter your actual home value, mortgage balance, purchase price, and improvements. All equity and tax figures reflect your ownership share after applying your ownership percentage.
Property details
Estimated market value
$
Current estimated market value (full property)
Remaining mortgage balance
$
Outstanding principal on primary mortgage
Your ownership %
%
Your share of co-ownership (e.g. 50% for equal split)
Years as primary residence
10
Qualifies for Section 121 exclusion
Purchase price (cost basis)
$
Original purchase price + closing costs paid at acquisition
Improvement costs
$
Cumulative capital improvements (renovations, additions, systems). Adds to basis, reducing taxable gain.
Repairs & staging ($)
$
Fixed-dollar pre-sale costs (painting, carpet, staging). Subtracted from proceeds.
Agent & closing costs
6.0%
Commission + title + transfer taxes (% of market value)
Equity calculation — your share
| Line item | Full property | Your share | Notes |
|---|
Tax treatment of your net gain
Tax-free LTCG = your $250,000 Section 121 exclusion (your 50% share of the $500k MFJ exclusion). Requires 2+ years of primary residence out of the last 5. Taxable LTCG = net gain above exclusion, taxed at long-term capital gains rates (0%, 15%, or 20% federal depending on income). Virginia taxes capital gains as ordinary income at 5.75%. Consult your tax advisor.
Net-of-tax equity estimate
Assumes 15% federal LTCG rate on taxable gain + 5.75% Virginia on all capital gains. Actual rate depends on total income in year of sale. This is an estimate only.