| Child | Birth year | College years | Start delay from HS (yrs) | Annual tuition (today $) | Actions |
|---|
No children added.
Salary & benefits
Workplace retirement contributions
Traditional & Roth IRA contributions
| Account | Stocks $ | Bonds $ | Total | Stocks % | Cost Basis |
|---|---|---|---|---|---|
| Cash | No interest assumed | ||||
| Taxable | |||||
| Your workplace pre-tax | n/a | ||||
| Spouse workplace pre-tax | n/a | ||||
| Your Traditional IRAs (aggregate) | |||||
| Spouse Traditional IRAs (aggregate) | |||||
| Your Roth | n/a | ||||
| Spouse Roth | n/a | ||||
For all of this person’s Traditional IRAs, enter the remaining contributions that were not deducted on a tax return. This is usually the basis on the latest Form 8606. If none, enter 0.
Combine each person’s Traditional, SEP, and SIMPLE IRA balances. Keep workplace-plan balances in the workplace rows.
Asset Policy
inflation-adjusted
Asset Allocation
Total assets
Stocks
0%
Bonds
0%
Cash
0%
Household Spending
Mortgage
Mortgage payment is fixed nominal and applies through the end year.
| Type | Payment ($/yr) | Expected end year | Actions |
|---|
No other debt payments added.
Each fixed nominal payment applies through its expected end year. Balances and interest are not modeled.
Healthcare Premiums
| Family member | Employer plan ($/yr) | Private < 65 ($/yr) | Medicare >= 65 ($/yr) |
|---|---|---|---|
| You | |||
| Spouse | |||
| Total |
Employer-plan premiums apply while either working adult has employer healthcare. Otherwise, private premiums apply before 65 and Medicare premiums apply to adults 65+. Child coverage ends when the child turns 26.
Other Healthcare Costs
College per child
Set under each child: years, annual tuition (today's $), delay from HS.
Spending Order
Return Model
Models changing markets and inflation over time.
Inflation Rate
Stocks
Taxed at long-term capital gains rate.
Bonds
Financial Rules & Projections
Published values are used where available. Later years are projected with these assumptions and rule-specific rounding; they are not tax-law forecasts.
Effective Tax Rates
Payroll Taxes
- Social Security employee:
- Social Security wage base:
- Medicare employee:
- 1.45%
- Additional Medicare:
- 0.9%
- Additional Medicare threshold — single:
- $200,000
- Additional Medicare threshold — joint:
- $250,000
Required Minimum Distributions
Determine separately for each person from birth year (current 73/75 rules).
Pre-tax withdrawals before age 59½ are used only when needed to avoid running out of spendable assets and include the 10% additional federal tax.
Year --
Run simulation first