Features

Economy

  • Wage inflation
  • Consumer price inflation
  • Stocks and bonds
  • Past and future market conditions

Income and finances

  • Employer income
  • Self-employment income
  • Passive income
  • Defined Benefit Pensions
  • Debt

Portfolio

  • Investment strategies including target date fund.
  • Core accounts
  • 401(k)/403(b)
  • Roth 401(k)/403(b)
  • SEP/SIMPLE/Solo 401(k)
  • Roth Solo 401(k)
  • Traditional IRA
  • Spousal IRA
  • Roth IRA
  • Cost basis

Annuities

  • Life and period certain annuities
  • Immediate and deferred annuities
  • Fixed, variable, and indexed annuities
  • Inflation-adjusted annuities
  • Participation rate, rate ceiling, rate floor parameters
  • Annuity fees
  • Joint and survivor annuities
  • Actuarial life table with actuarial present value calculation
  • Cost basis
  • Nominal rate of return calculation

Social Security Retirement Insurance Benefits

  • Full retirement age calculation
  • Work credits/fully insured status
  • Average wage indexing
  • COLA
  • Historical and extrapolated lookup tables for bases/limits/indexes/etc.
  • AIME/PIA calculations using Base Year
  • Extrapolated future benefits
  • Spousal benefits (current spouse only)
  • Dually entitled beneficiaries
  • Reduction factors for early retirement
  • Deemed filing rules
  • Retirement Earnings Test (annual earnings test only)
  • Reduction factor recalculations
  • Delayed retirement credits
  • Restricted applications (“free” spousal benefits)
  • Benefit application dates in past/present/future

Expenses and mortgages

  • Mortgage payment calculator
  • Mortgage principal curtailment (extra payments)
  • Mortgage amortization schedule generator
  • Monthly living expense worksheet

Taxes

  • Filing status
  • Payroll tax
  • Federal tax
  • Self-employment tax
  • State tax
  • Long term capital gains
  • Taxes on annuities
  • Taxes on Social Security (Federal/State)
  • Exemptions and deductions
  • Effective tax rate calculation