Built for high-income households
The planning window narrows as income rises. Use it deliberately.
Phase-outs, caps and pro-rata rules do more work at your income level than the bracket table does.
What usually goes wrong
Direct Roth IRA contributions may be phased out or fully closed.
Pre-tax IRA balances complicate an otherwise simple backdoor conversion.
The SALT cap and phase-outs blunt deductions you would expect to help.
What the app does about it
- Roth planner with Direct / Partial / Backdoor / pro-rata complication status
- Tax-loss harvesting against realized gains and the $3,000 ordinary income limit
- Charitable bunching analysis against the standard deduction
- Editable tax-year rules so thresholds stay current and verifiable
Coming later
Upgrade waitlist
The planning app is free while we build. These are the paid features under consideration — join the list and we'll ask you first.
- Multi-year projections and Roth conversion ladders
- Shared household access for both spouses
- Document vault for receipts and closing statements
- Export a year-end summary pack for your CPA
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