Portfolio Success Lab
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Tax-aware retirement forecasting
We'll pre-fill smart defaults for taxes, ACA, RMDs and the rest. You can change anything later.
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Use any of these — you can swap or refine anything in the workspace.
Modular setup · Build your plan
Privacy mode keeps modeling local by disabling Google Sheets imports and live CMS Marketplace plan searches. CSV, JSON, setup backup/restore, offline ZIP lookup, and manual ACA plan inputs remain available.
Assumption: ACA subsidy math uses coverage-year household size, marketplace member ages, and prior-year FPL guidelines for the selected tax year.
Assumption: exact plan mode calculates PTC from the household SLCSP and applies the selected plan gross premium and OOP max. Quoted net premium mode trusts the quote and bypasses PTC recalculation.
Assumption: the backup plan becomes active only when modeled ACA MAGI exceeds the trigger, so it can model subsidy cliffs without replacing low-MAGI coverage.
Assumption: federal Marketplace lookup uses the HealthCare.gov API for FFM states. State-based exchanges are routed to localized benchmarks offline, or accept manual local plan overrides.
Assumption: discretionary spending is 100% when stocks are less than 10% below prior highs, 50% from 10% to 20%, and 0% beyond 20%; essential spending inflates, discretionary spending stays nominal.
Assumption: automated tax moves are capped by bracket, ACA, NIIT, IRMAA, and liquidity guardrails before they are treated as recommended actions.
Assumption: modern baseline starts in 1928. Extended source adds JST stock/bond/cash from 1872 and real estate from 1891.
Cash flow
This year
Path
Tax · Year 1
Withdrawal order
Sensitivity
Healthcare
Monte Carlo
Model audit
Action plan · all years
Year-by-year
Asset snapshot
Rescues · Strategy Comparison
Tradeoffs · Efficient Frontier
Scenarios · side-by-side
Backtests