🧾 Tax‑Advantaged Guide

Prioritize contributions • Optimize asset location • Plan tax‑smart withdrawals

⚙️ Household & Account Inputs

Enter high‑level assumptions. The guide builds a personalized priority list and suggestions. Educative tool only (not tax advice).

👥 Filing Status

🎂 Primary Age

🏷️ Est. State Tax %

📊 Marginal Rate Now %

🔮 Expected Marginal in Retirement %

🏥 HSA Eligible

💼 Taxable Balance ($)

🏦 Traditional (Pre‑Tax) Balance ($)

🟣 Roth Balance ($)

🩺 HSA Balance ($)

🏢 401(k)/403(b) Employer Match % of Pay

Typical: 3–6%

📏 Match Cap % of Pay

E.g., “100% of first 3% + 50% of next 3%” ≈ 4.5% on 6%

💵 Household Income ($)

Enable Mega Backdoor Roth (plan allows after‑tax) Using Backdoor Roth IRA Ready

📑 Your Tax‑Advantaged Playbook

Est. Effective Tax Now

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Est. Effective Tax in Retirement

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Suggested Asset Location Mix

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1) Contribution Priority (Typical Ordering)

Run the guide to generate a personalized list.

2) Asset Location Suggestions

The guide will suggest which assets often fit best in each account type based on taxes and your inputs.

3) Withdrawal Order (Retirement)

You’ll see a suggested order (taxable → pre‑tax → Roth), with caveats for brackets, healthcare credits, and RMDs.

4) Roth Conversion Sandbox

📤 Test Conversion Amount ($)

Rough estimate: tax owed = amount × (current marginal rate)

5) Checklist

⚠️ This is a planning helper, not tax or legal advice. Verify limits (401(k), IRA, HSA, 529, etc.) and rules for your current year and your specific plan.