Dashboard
Live model — all numbers update instantly
This week's numbers
Three decision-relevant figures pulled from other pages, so you don't have to visit Portfolio Strategy, IFC Decision, and Retirement Plan separately. Click the ⓘ on any card for the exact formula.
Wealth composition
Income vs expenses
30-year portfolio projection
With drawdown (red) vs no drawdown (green)
Retirement accounts — Monte Carlo simulation (P10 / P50 / P90)
Starts from your Retirement accounts total (the metric card above) and runs 300 simulated paths of that portfolio's drawdown, with annual returns randomized around the growth assumption — shows a range instead of one line. Does not include real estate equity or cash (see the real estate chart below for that). Not a resample of actual historical years; see the ⓘ on Growth Assumptions in Model Settings.
Real estate equity — Monte Carlo simulation (P10 / P50 / P90)
Starts from your total Real estate equity and simulates property market values growing at the appreciation assumption (see ⓘ), with existing mortgage balances held flat — this model doesn't amortize mortgages over time, so treat it as a simplified range, not a payoff schedule. Editable in Model Settings.
Retirement plan
Phase 1 bridge · Phase 2 full access
Bridge period: All IRAs/401K/TIAA locked ~2-3 years after retirement. IFC crystallises at Shir's full-eligibility age (62). Phase 1 = IFC + real estate only.
Phase 1 · age 57-59½ (locked)
| IFC income | - |
| Real estate net | - |
| Cash buffer | - |
| Total income | - |
| Annual expenses | - |
| Surplus/(gap) | - |
Phase 2 · age 59½+ (full access)
| IFC income | - |
| Real estate net | - |
| IRA/401K withdrawal | - |
| Total income | - |
| Annual expenses | - |
| Surplus/(gap) | - |
72(t) SEPP: Allows penalty-free IRA access before 59½ via Substantially Equal Periodic Payments (~$40-60K/yr). Must continue 5 yrs or to 59½. Consult a tax adviser.
IFC decision
3% penalty per year before age 62
Early withdrawal penalty table
Penalty = 3% per year early.
Select IFC strategy
Option A — Annuity (penalised rate)
Receive penalty-adjusted annuity when Shir retires. Guaranteed for life. No estate value. Use the retirement age slider to see exact amount.
GuaranteedImmediate incomePenalisedNo estate
Option B — Lump sum ($1,125,370 at 62)
Take full amount at age 62, no penalty. Invest yourself. At 5% = $56K/yr. No income from IFC until age 62.
No penaltyEstate valueNo income til 62
Option C — Hybrid (recommended)
DB ($282,822) as penalised annuity for immediate income. CB ($842,548) as lump sum at 62. Balances security and flexibility.
Some immediate incomeLump estateRecommended
Shir works longer — impact per extra year
30-year cumulative payout
Real estate
All changes auto-saved locally
Properties
Mortgage summary
Investments
All retirement accounts · click Update to edit
All accounts
All retirement accounts locked until 59.5. Gil unlocks ~2 yrs after retirement, Shir ~3 yrs. Consider 72(t) SEPP for earlier penalty-free access.
Cash accounts
Savings, checking, and money-market accounts — unlike retirement accounts, always liquid.
College savings
529 plans
Rebalance alert: 529 plans approaching the 4-year window from withdrawal should move to conservative allocations. See the table below for per-plan status.
529 plans
Israel note
Israeli universities (Hebrew University, Technion, TAU, BGU) are eligible 529 institutions. Verify current IRS list. Non-qualified use: income tax + 10% penalty on earnings only, not principal.
Sensitivity analysis
Move any slider — all outputs update instantly
Income
Rates
Expenses
Portfolio values
Live results
30-year wealth path
Gap heat map
Rows = RE income · Cols = IFC return rate
Break-even analysis
Scenarios
Live from current model values · IFC penalty applied
Timeline
Key milestones and action checklist
Milestones
Action checklist
AI adviser
Knows your live model including IFC penalty
Your current model
Shalom! I have your complete financial picture including the IFC early withdrawal penalty (3% per year before 62). What would you like to explore?
Portfolio strategy
Sync from Sheets or import a JSON backup to see live holdings analysis
Current allocation breakdown
Recommended allocation
Target for ages ~48–55, 10-12 yrs to retirement
Holdings analysis — all positions
Add individual positions (symbol/fund + category), or use "Split account by %" for accounts like IFC or TIAA-CREF where you only know the overall stock/bond mix, not fund-level detail. Changes sync to the connected Google Sheet automatically.
Strategic recommendations
Suggested rebalance actions
Estimated trades to reach target allocation.
Current vs target — asset class %
Growth projection: current vs optimised
Illustrative. Current mix assumed 5.8% return; optimised mix assumed 7.1% return.
Trends & history
Monthly snapshots — track how your wealth grows over time
How it works: Each time you click "Save snapshot" your current numbers are recorded. Do this once a month to build a trend. The more snapshots you save, the richer the charts.
Snapshot history log
Period-over-period changes for every category. Click ✕ to remove a bad snapshot.
Total net worth over time
Annual income vs expenses trend
Net worth composition over time
Where growth is coming from — real estate equity, investments, cash, and college savings, stacked
Investment accounts breakdown
Each retirement account tracked separately over time
Real estate — market value vs equity
Cash & liquidity
Model Settings
Edit the assumption constants behind the model's calculations
Changes save automatically and apply everywhere. Use Reset next to a field to restore the default, or Reset all to restore every value at once.
For per-formula documentation see
FORMULAS_INVENTORY.md in the repo.Estate planning
Recomputes from your live net worth and current tax law — update the fields below as your situation changes or the law changes
Household profile
Your own data, not a model assumption — drives which rules below actually apply to you (e.g. Maryland's estate tax only matters if you live in Maryland). Nothing here is pre-filled; it stays blank until you enter it, same as the rest of this app.
Where you stand vs. estate tax thresholds
Assumes a married couple with full portability on both the federal and state exemption. Exemption amounts are editable in Model Settings so this stays current when the law changes.
Children / heirs
Ages matter: without a trust, Maryland's UTMA hands a custodial account to the child outright at the age set below.
Action checklist
Generated from the general estate-planning review — check items off as you complete them with your attorney/CPA.
This page is general information, not legal or tax advice — review it with a licensed estate attorney and CPA before acting. Figures like the exemption amounts, gift exclusion, and UTMA age are model assumptions (editable on Model Settings) so you or a future AI assistant can update them the moment the law changes, instead of this page quietly going stale.