Symbol / ID accepts a ticker (live quote or previous close), a Treasury TIPS CUSIP (inflation-adjusted principal at par; units = face ÷ $100), or an I-bond purchase month like 2021-11 (official redemption value computed locally; units = face value in dollars). Prices update only when you click refresh — never on their own — and rows that could not update are highlighted with the reason on hover.
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.
Google Sheets
Private sheet (OAuth)
JSON editor
Save / Load setup
Ready to import.
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Healthcare
Insurance until Medicare
20 controls
Assumption: ACA subsidy math uses coverage-year household size, marketplace member ages, and prior-year FPL guidelines for the selected tax year.
Plan & premium overrides
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.
Backup plan (high-MAGI fallback)
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.
Federal Marketplace plan finder
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.
ACA plan helper ready.
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Medicare / IRMAA
Premiums after 65
12 controls
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Other income
Social Security, work, SE
22+ controls
Recurring income streams
Pensions, annuities, rent, and other recurring income: age-started on the owner's clock, optional COLA, survivor share after the owner's death, and state retirement-income treatment for pensions/annuities.
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Strategy toolkit
Taxes, allocations, withdrawal rules
43 controls
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.
Risk-based guardrails solve a fixed failsafe spend, starting spend, lower cut trigger, and upper raise trigger from the selected historical backtest cohorts.
Shared allocation target
Legacy / heir assumptions
Assumption: automated tax moves are capped by bracket, ACA, NIIT, IRMAA, and liquidity guardrails before they are treated as recommended actions.
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Cash reserve
Sequence-risk bucket strategy
11 controls
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Monte Carlo model
Return assumptions and sampling
20 controls
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History test
How would you have done?
7 controls
Assumption: modern baseline starts in 1928. Extended source adds JST stock/bond/cash from 1872 and real estate from 1891.