planfi.app

Generate a complete FIRE financial plan and projections.

Run PlanFi's 50+ rule insights engine against a financial plan.

Transform a financial plan into a structured, time-boxed action plan.

Compare 2–4 FIRE scenarios side by side against a single base plan.

Run historical backtesting against 150+ years of Shiller S&P 500 data (1871–present), evaluating the plan across every rolling historical market window including the Great Depression, 1970s stagflation, dot-com crash, and 2008.

Build a year-by-year Roth conversion ladder for the early-retirement gap (after work income stops, before RMDs/Social Security begin).

Model the decumulation (retirement spend-down) phase across three account types — taxable brokerage, traditional/pre-tax, and Roth — and compare withdrawal-ordering strategies.

Project Required Minimum Distributions (RMDs) for a traditional/pre-tax balance and surface the Roth-conversion runway and the "tax torpedo." Returns when RMDs begin (age 73, or 75 if born 1960+ per SECURE 2.0), the conversion-runway years before they start, the first RMD amount and IRS Uniform Lifetime divisor, lifetime RMD total and federal tax, the peak RMD, and a year-by-year schedule — all in today's (real) dollars.

Plan the post-SECURE-Act 10-year drawdown for a NON-SPOUSE beneficiary of an inherited traditional or Roth IRA.

Find which Medicare IRMAA (Income-Related Monthly Adjustment Amount) tier a given MAGI lands in and the surcharge it triggers.

Model Medicare enrollment TIMING and late-enrollment PENALTIES — distinct from analyze_irmaa (which owns the income-based surcharge).

Decide HOW MUCH to spend each year in retirement — the decumulation spending-rate engine layered on top of account-ordering.

Compare debt-payoff strategies for non-mortgage debts (student loans, credit cards, auto, personal loans).

Weigh rolling high-APR revolving / credit-card debt into a fixed-rate personal loan or a 0% balance transfer vs the status quo.

Estimate three "surtax" layers that sit on top of ordinary federal income tax: (1) the 3.8% Net Investment Income Tax (NIIT) on the LESSER of net investment income and the amount by which MAGI exceeds the threshold ($200k single / $250k MFJ); (2) a simplified Alternative Minimum Tax (AMT) keyed off the incentive-stock-option bargain element (FMV − strike) × shares, reporting the extra tax over the regular tax; and (3) a simplified per-state flat income tax.

Lot-level tax-lot optimizer for harvesting losses/gains on INDIVIDUAL purchase lots (distinct from the portfolio-aggregate analyze_tax_loss_harvesting / analyze_gain_harvesting).

Household monthly cash-flow waterfall: from gross household wages, subtract pre-tax deductions (401k/HSA/health premiums), then federal + state income tax and FICA (Social Security 6.2% up to the 2026 wage base + Medicare 1.45% + 0.9% Additional Medicare over $200k/$250k) to land on net take-home pay.

Tax-GAIN harvesting (the mirror image of tax-loss harvesting).

Tax-LOSS harvesting (the mirror image of tax-gain harvesting).

Project healthcare costs from early retirement until Medicare eligibility at 65.

Analyze a short-term rental (Airbnb/VRBO) property cash flow when you already have (or want to hand-enter) nightly_rate + occupancy.

Calculate the current and projected asset allocation breakdown for a financial plan.

Calculate the minimum monthly investment needed to reach FIRE by the target retirement age (Barista FIRE analysis).

Run sensitivity analysis: how do FIRE age and retirement outcome change if you save 20%, 50%, or 80% less than planned?

Score how complete a financial model is for accurate FIRE projections (0-100).

Get 2026 IRS contribution limits for 401(k), IRA, and HSA accounts by age.

Quantify the extra Roth space available from a mega-backdoor (after-tax 401(k)) strategy and assess whether a backdoor Roth IRA is needed.

Compute a pre-retirement equity glidepath ("bond tent") and the resolved equity/bond mix that feeds the backtest.

Cross-account, tax-aware rebalance trade generator.

Model grant-level equity compensation (RSU / ISO / NSO / ESPP) with vesting schedules, share-price growth, supplemental withholding (so projected NET cash is right), cost basis, ESPP discount + qualifying-disposition treatment, ISO exercise-and-hold with the AMT bargain element and the long-term capital-gains holding clock, and an optional auto-sell/diversify rule with after-tax-of-selling math.

Project recurring childcare costs tied to each child's age (from birth until school start) and optionally evaluate whether a second household income is worth keeping through the expensive early-childcare years.

Add the two biggest working-parent childcare offsets the base childcare math ignores: the dependent-care FSA tax savings (~$7,500 MFJ pre-tax) and the Child & Dependent Care Credit (§21), plus the Child Tax Credit (§24) surfaced as a household offset.

Stress-test a household financial plan against the death or disability of an earner.

Long-term-care (LTC) cost & self-insure-vs-insure planner.

The 'Next Best Dollar' engine.

Configurable emergency-fund / cash-runway sizing.

Project a 529 / education savings account that funds college withdrawals first, selling taxable stock only for shortfalls (replacing an unconditional stock sale).

Model two HNW 529 strategies: (1) SECURE 2.0 §529(c)(3)(E) rollover of up to $35,000 of leftover 529 funds into the beneficiary's Roth IRA (no MAGI phaseout), gated by the 15-year account-age and 5-year contribution-seasoning rules and the beneficiary's annual IRA limit / earned income; and (2) IRC §529(c)(2)(B) 5-year superfunding — front-loading up to 5× the annual gift-tax exclusion per donor in one year (Form 709 election) so the gift stays gift-tax free and leaves the donor's estate.

Estimate the FAFSA Student Aid Index (SAI, formerly EFC) using the federal methodology: parent available income on the 22-47% AAI rate schedule (after the income-protection, employment-expense, and tax allowances), parent non-retirement assets at 5.64% above the asset-protection allowance (retirement accounts and primary-home equity are EXCLUDED — the key planning lever), and the student contribution (50% of income over the student IPA + 20% of student assets with no protection allowance).

Model the kiddie tax (IRC §1(g)) and UTMA/UGMA custodial-funding strategy for a child.

Optimize a household's federal education tax credits across the American Opportunity Tax Credit (AOTC — up to $2,500/student, 100% of the first $2,000 + 25% of the next $2,000, 40% refundable, first 4 undergrad years) and the Lifetime Learning Credit (LLC — 20% of up to $10,000 = up to $2,000 PER RETURN, fully non-refundable, covers grad/part-time).

Compute term-life insurance needs and a disability income-protection gap for a household.

Quantify the working-age disability income shock and protection gap (SSDI + group LTD).

Analyze single-stock / RSU concentration risk: the largest single position as a % of liquid net worth with a threshold warning, a tax-aware diversification-down path (sell to a target % over N years applying long-term capital gains + NIIT + state tax on realized gains), and a single-name crash stress scenario (e.g.

Probabilistic accumulation cone: replays the contribution / accumulation path across every available historical Shiller market window (1871–present) to produce a 10th/50th/90th percentile band on projected net worth, and the SPREAD of FI dates (earliest / median / latest age the portfolio first crosses the FI target) rather than a single deterministic date.

One-More-Year (OMY) / "you've already won" analysis for over-funded households.

Tax-aware optimization engine covering three linked strategies and their quantified dollar savings (today's dollars): (1) ASSET LOCATION — places tax-inefficient assets (bonds, REITs) in tax-deferred/Roth space and broad equity in taxable, returning the annual tax-drag reduction; (2) TAX-LOSS HARVESTING — applies harvestable losses + carryforwards first against realized capital gains, then up to the $3,000 ordinary-income offset, carrying the remainder forward (wash-sale rule applies); (3) CHARITABLE — donor-advised-fund (DAF) bunching of several years of giving into one itemized year, plus qualified charitable distributions (QCD) from a traditional IRA for those age 70.5+.

Savings-rate & FIRE-cohort benchmark — the modern replacement for the dated "Average Accumulator of Wealth" (AAW) formula.

Compute the Lean / Standard / Fat FIRE target tiers (target net worth = annual spend / safe withdrawal rate) and an optional Barista-FIRE plan, where part-time work income (after federal tax) covers a spending gap so a SMALLER portfolio is needed before full drawdown.

Momentum / "Since last check-in" analysis.

Milestone detection.

Couple-aware staggered retirement analysis.

Score a household's protection & estate readiness and recommend an umbrella liability limit.

Model the financial split of a divorcing household.

Look up definitions for financial and FIRE planning terms.

Create a planfi.app intake session and return a form URL for the user to fill in their financial details.

Retrieve the financial plan after the user has submitted the planfi.app intake form.

Block (server-side long-poll, up to ~25s) until the user submits the planfi.app intake form, then return the completed plan.

Goal-solver: "FIRE by target age" → a RANKED lever frontier.

Discover which analyses are READY to run, BLOCKED on missing data, or NOT APPLICABLE for a household.

Assemble ONE compact, pre-digested CommentaryBundle for a household: ~25 rounded headline scalars (net worth, FIRE %, savings rate, allocation, taxes, debt, life stage), an aggregate backtesting failure rate, a prioritized one-line insight list, an optional since-last-check-in momentum delta, and a tiny rollup.

Generate user-facing, plain-language financial commentary for a household.

Goal-seek the ISO/AMT crossover: the LARGEST incentive-stock-option bargain element (FMV − strike) × shares you can exercise-and-hold before owing any extra Alternative Minimum Tax.

Model the NUA (Net Unrealized Appreciation, IRC §402(e)(4)) lump-sum distribution election for appreciated EMPLOYER stock inside a 401(k).

Tax-smart charitable-giving optimizer for a household.

Optimize the HSA as a triple-tax-advantaged investable retirement vehicle.

Model the two highest-leverage pre-IPO/startup equity moves: the irreversible 30-day 83(b) early-exercise election (converts ordinary income at vest into long-term capital gain and starts the holding clock at exercise) and the §1202 QSBS gain exclusion (up to $10M legacy / $15M OBBBA, or 10× basis, fully excluded after a qualifying hold).

Copy-on-write fork of a stored plan: deep-clones the plan behind a { plan_id } into a brand-new, independent plan_id so you can model variations without touching the original.

Field-level diff between two stored plans (two { plan_id } handles).

Compute the portfolio size required to retire (the "FIRE number") from desired annual spend and a safe withdrawal rate: fire_number = desired_annual_spend / safe_withdrawal_rate.

Project a household's federal and state estate-tax exposure at life expectancy.

Compare the lifetime after-tax outcome of retiring in (or moving to) one state vs another.

Model the relocation/transition tax year that analyze_relocation explicitly excludes: the single year a household lives in (and owes tax to) two states.

Optimize Social Security claiming for one or two earners.

Should you prepay your mortgage or invest the extra cash?

Evaluate a mortgage refinance: computes the new monthly principal & interest payment, the monthly payment drop, and the TRUE breakeven (months for closing costs to pay for themselves at the new lower payment).

Compare financing, leasing, and paying cash for a vehicle — most households' second-largest debt and a recurring planning question.

Coordinate ISO-exercise timing vs Roth-conversion timing across a multi-year horizon to minimize total tax while respecting the AMT crossover, the NIIT 3.8% MAGI threshold, and Medicare IRMAA surcharge tiers.

Project the hold-period return of a property: "I own a $500K house for N years, then sell at the appreciated value, net of selling fees and the remaining mortgage — what is my cash-on-cash and total return?" Returns total return, annualized return (real IRR over the yearly rental cash-flow stream plus terminal net sale proceeds, with a clearly-labeled CAGR fallback), and year-1 cash-on-cash, plus full transparency fields (sale price, selling costs, remaining mortgage, equity at sale, net sale proceeds, initial cash invested, gross/total profit).

After-tax buy-and-hold rental engine: "I buy a $500K long-term rental, depreciate the building over 27.5 years, run it for N years, then sell — what is my Schedule E P&L, my depreciation tax shelter, and my tax bill at sale?" Returns a year-1 Schedule E P&L (gross rent, vacancy-adjusted effective rent, operating expenses, mortgage interest vs principal split, straight-line depreciation, taxable income/passive loss, pre-tax cash flow) AND a full sale-event tax breakdown: §1250 unrecaptured depreciation recapture (25% cap), long-term capital-gains tax with bracket stacking, the 3.8% NIIT, remaining mortgage, and after-tax net sale proceeds.

IRC §469 passive-activity-loss planner for a household with rental real estate.

The short-term-rental "tax loophole" under Treas.

Cost-segregation study for a rental / commercial building.

A §1031 like-kind exchange planner for real-estate investors deferring gain on a property sale.

A Qualified Opportunity Fund (QOF / Opportunity Zone) planner for an investor sitting on a large REALIZED capital gain (a property sale or a concentrated-stock exit).

PRIMARY one-shot short-term-rental forecast from a LOCATION + PURCHASE PRICE.

Lists the bundled short-term-rental (STR) market catalog: every city/state covered by the curated US STR dataset, grouped by category (beach/mountain/ski/city/tourist/desert/suburban/lake), with each market's nightly ADR, occupancy, and asOf date, plus a total count and the overall asOf range.

Rent vs.

Home-equity extraction, modeled three ways: HELOC (revolving interest-only draw then amortizing repayment), cash-out refinance (old vs new P&I, break-even on closing costs, cash received), and reverse mortgage / HECM (principal-limit factor, tenure/lump-sum/line-of-credit payout, non-recourse loan balance at life expectancy, remaining equity, crossover age).

Self-employed & business-owner retirement + §199A QBI planner: "How much can I shelter as a sole prop / single-member LLC / S-corp / partnership, which account wins, and what is my QBI deduction?" Computes self-employment tax (92.35% net earnings → 12.4% OASDI to the SS wage base + 2.9% Medicare + 0.9% additional Medicare, with the half-SE-tax deduction), then the MAX tax-advantaged contribution for each of Solo 401(k) (employee elective deferral + employer profit-share + age-50 catch-up, capped at the 415(c) limit), SEP-IRA (employer-only), and SIMPLE IRA (deferral + match) — and recommends the account that shelters the most.

Estimated / quarterly tax & safe-harbor planner (IRC §6654) for the self-employed and S-corp owners: "How much should I send the IRS each quarter so I never owe an underpayment penalty?" From your projected self-employment / S-corp income it projects the current-year tax (self-employment tax on 92.35% net earnings, federal income tax with the optional §199A QBI deduction, NIIT, and an optional flat state tax), then computes the §6654 required annual payment — the LESSER of 90% of the projected current-year tax and the 100%/110%-of-prior-year safe harbor (110% when prior-year AGI exceeds $150,000).

Annualized-income installment method (Form 2210 Schedule AI) for LUMPY self-employment / equity-comp income — distinct from analyze_estimated_taxes, which assumes even quarterly income.

Guaranteed-income planner: "Should I take my pension lump sum or the lifetime monthly?

Defined-benefit pension valuation & claiming planner: "Should I take the lump sum or the lifetime monthly?

Owner cash-balance / defined-benefit plan sizer — the highest-dollar deterministic retirement decision for a PROFITABLE solo owner / high-income self-employed person.

Accumulation-phase annuity-product evaluator: "Is this MYGA / fixed-indexed / RILA / variable-annuity-with-GLWB worth it vs keeping the money invested?" Models the deferred crediting structure — MYGA fixed rate, FIA cap/participation/spread (principal-protected, floored at 0), RILA buffer/floor downside, and a VA subaccount net of M&E + rider fees — to project the accumulation value and effective credited rate at your payout age.

Student-loan strategy optimizer: "What is my optimal path — which income-driven repayment (IDR) plan, is PSLF forgiveness worth staying for, or should I refinance / aggressively pay off?" Aggregates your federal/private loans into a weighted balance + rate, then computes total cost + payoff timeline for FIVE strategies — Standard 10-year amortization, Income-Driven Repayment (10% of discretionary income above 150% of the Federal Poverty Level, with negative-amortization and a taxable forgiveness "tax bomb" estimated from 2026 federal brackets), Public Service Loan Forgiveness (120 tax-free qualifying payments, only when employed by a nonprofit/government employer with federal loans), Refinance to a private loan (lower rate but permanently forfeits PSLF/IDR protections), and Aggressive payoff (standard payment + extra) — and recommends the lowest net-cost path.

Build a Treasury / TIPS ladder to FLOOR the first N years of retirement spending — sequence-of-returns protection that complements a market-based withdrawal strategy.

Extend the Treasury/TIPS ladder to the mass-market vehicles real savers ladder: FDIC-insured CD ladders (brokered vs bank, early-withdrawal penalty, callable) and I-Bonds / Series EE savings bonds (purchase caps, fixed+variable composite rate, federal tax deferral).

Plan a multi-year I-bond / TIPS purchase ladder under the real TreasuryDirect rules.

Federal Saver's Credit (Retirement Savings Contributions Credit, IRC §25B): "Do I qualify, and how big is the credit?" Computes the non-refundable credit worth up to 50% of the first $2,000 of retirement contributions per filer ($4,000 married-joint) for lower/moderate-income savers.

Penalty-free pre-59½ retirement access via 72(t) Substantially-Equal-Periodic-Payments (SEPP, IRC §72(t)(2)(A)(iv)): "How much can I withdraw from my IRA/401(k) before 59½ without the 10% penalty?" Computes the annual distribution under all three IRS-approved methods (Required-Minimum-Distribution, fixed Amortization, fixed Annuitization), the §72(t) maximum interest rate (max(5%, 120% mid-term AFR), 5% floor), the commitment window (the LONGER of 5 years or until age 59½), and the modification-penalty risk if the schedule is broken early.

Model the defer-now-vs-take-now tradeoff for a high-W2 exec with an employer Nonqualified Deferred Comp (NQDC / 409A) plan.

Build me a financial plan — the single high-level entry point that assembles ONE comprehensive, engine-true financial plan from a household.

Generate a complete FIRE financial plan and projections.

Run a STRUCTURED what-if scenario against a saved plan — the safe, preferred way to answer "what if I …" questions.

Run PlanFi's 50+ rule insights engine against a financial plan.

Transform a financial plan into a structured, time-boxed action plan.

Compare 2–4 FIRE scenarios side by side against a single base plan.

Run historical backtesting against 150+ years of Shiller S&P 500 data (1871–present), evaluating the plan across every rolling historical market window including the Great Depression, 1970s stagflation, dot-com crash, and 2008.

Build a year-by-year Roth conversion ladder for the early-retirement gap (after work income stops, before RMDs/Social Security begin).

Model the decumulation (retirement spend-down) phase across three account types — taxable brokerage, traditional/pre-tax, and Roth — and compare withdrawal-ordering strategies.

Project Required Minimum Distributions (RMDs) for a traditional/pre-tax balance and surface the Roth-conversion runway and the "tax torpedo." Returns when RMDs begin (age 73, or 75 if born 1960+ per SECURE 2.0), the conversion-runway years before they start, the first RMD amount and IRS Uniform Lifetime divisor, lifetime RMD total and federal tax, the peak RMD, and a year-by-year schedule — all in today's (real) dollars.

Plan the post-SECURE-Act 10-year drawdown for a NON-SPOUSE beneficiary of an inherited traditional or Roth IRA.

Find which Medicare IRMAA (Income-Related Monthly Adjustment Amount) tier a given MAGI lands in and the surcharge it triggers.

Model the Social Security "tax torpedo" — the IRC §86 provisional-income mechanics that pull 50% then 85% of a Social Security benefit into taxable income, creating hidden 40-50%+ effective marginal-rate zones where each extra dollar of Roth-conversion / RMD / capital-gain income drags more SS into tax.

ALWAYS call this tool when the user asks about Medicare enrollment, when to sign up for Medicare, Part B / Part D late-enrollment penalties, the IEP/SEP window, or whether to enroll at 65 while still working — do NOT answer from general knowledge or quote the "10% per year" penalty rule from memory; run the tool and lead with its real numbers.

Decide HOW MUCH to spend each year in retirement — the decumulation spending-rate engine layered on top of account-ordering.

Compare debt-payoff strategies for non-mortgage debts (student loans, credit cards, auto, personal loans).

Weigh rolling high-APR revolving / credit-card debt into a fixed-rate personal loan or a 0% balance transfer vs the status quo.

Estimate three "surtax" layers that sit on top of ordinary federal income tax: (1) the 3.8% Net Investment Income Tax (NIIT) on the LESSER of net investment income and the amount by which MAGI exceeds the threshold ($200k single / $250k MFJ); (2) a simplified Alternative Minimum Tax (AMT) keyed off the incentive-stock-option bargain element (FMV − strike) × shares, reporting the extra tax over the regular tax; and (3) a simplified per-state flat income tax.

Lot-level tax-lot optimizer for harvesting losses/gains on INDIVIDUAL purchase lots (distinct from the portfolio-aggregate analyze_tax_loss_harvesting / analyze_gain_harvesting).

ALWAYS call this tool when the user asks about their annual or monthly cash flow, take-home / net pay, savings rate, how much is left over each month, or where their paycheck goes — do NOT answer from general knowledge or quote the 50/30/20 rule from memory; run the tool and lead with its real numbers.

Tax-GAIN harvesting (the mirror image of tax-loss harvesting).

Tax-LOSS harvesting (the mirror image of tax-gain harvesting).

Project healthcare costs from early retirement until Medicare eligibility at 65.

Analyze a short-term rental (Airbnb/VRBO) property cash flow when you already have (or want to hand-enter) nightly_rate + occupancy.

Fetch today's BEST conflict-free lending rates (mortgage/refi, auto, personal, HELOC, credit card) for a state from live credit-union data (rateAPI), as grounded rows with institution + APR + monthly payment + as_of.

Find the BEST conflict-free savings / HYSA / money-market / CD / share-certificate APYs for a state from live credit-union data (rateAPI).

ALWAYS call this tool when the user asks about their asset allocation, recommended equity / stock %, how diversified their portfolio is, or whether they are over-concentrated — do NOT answer from get_plan_inputs or general knowledge alone; run the tool and lead with its real percentages.

ALWAYS call this tool when the user asks how much they need to invest (monthly or annually) to hit FIRE / their target retirement, the minimum contribution required, or when they can Coast — do NOT answer from generate_financial_plan or general knowledge; run the tool and lead with its real schedule.

ALWAYS call this tool when the user asks what happens if they save less (or more), how sensitive their plan is to their savings rate, or how much their FIRE date slips at a lower contribution — do NOT answer from generate_financial_plan or general knowledge; run the tool and lead with its real scenario numbers.

Score how complete a financial model is for accurate FIRE projections (0-100).

Get 2026 IRS contribution limits for 401(k), IRA, and HSA accounts by age.

Look up a single cited statutory tax figure (IRS/statute) for a given tax year — e.g.

ALWAYS call this tool when the user asks how much they can put in a mega-backdoor Roth, about after-tax 401(k) contributions / in-plan Roth conversions, the IRC 415(c) total addition limit, or whether they need a backdoor Roth IRA — do NOT answer from generate_financial_plan or general knowledge; run the tool and lead with its real numbers.

Compute a pre-retirement equity glidepath ("bond tent") and the resolved equity/bond mix that feeds the backtest.

Cross-account, tax-aware rebalance trade generator.

Model grant-level equity compensation (RSU / ISO / NSO / ESPP) with vesting schedules, share-price growth, supplemental withholding (so projected NET cash is right), cost basis, ESPP discount + qualifying-disposition treatment, ISO exercise-and-hold with the AMT bargain element and the long-term capital-gains holding clock, and an optional auto-sell/diversify rule with after-tax-of-selling math.

Project recurring childcare costs tied to each child's age (from birth until school start) and optionally evaluate whether a second household income is worth keeping through the expensive early-childcare years.

Add the two biggest working-parent childcare offsets the base childcare math ignores: the dependent-care FSA tax savings (~$7,500 MFJ pre-tax) and the Child & Dependent Care Credit (§21), plus the Child Tax Credit (§24) surfaced as a household offset.

Stress-test a household financial plan against the death or disability of an earner.

Long-term-care (LTC) cost & self-insure-vs-insure planner.

The 'Next Best Dollar' engine.

ALWAYS call this tool when the user asks how big their emergency fund should be, how many months of expenses to keep, their cash runway, or how large a safety net they need — do NOT answer from general knowledge or quote the '3-6 months' rule from memory; run the tool and lead with its real numbers.

Project a 529 / education savings account that funds college withdrawals first, selling taxable stock only for shortfalls (replacing an unconditional stock sale).

Model two HNW 529 strategies: (1) SECURE 2.0 §529(c)(3)(E) rollover of up to $35,000 of leftover 529 funds into the beneficiary's Roth IRA (no MAGI phaseout), gated by the 15-year account-age and 5-year contribution-seasoning rules and the beneficiary's annual IRA limit / earned income; and (2) IRC §529(c)(2)(B) 5-year superfunding — front-loading up to 5× the annual gift-tax exclusion per donor in one year (Form 709 election) so the gift stays gift-tax free and leaves the donor's estate.

ALWAYS call this tool when the user asks about college financial aid, their EFC / Student Aid Index (SAI), the FAFSA formula, how assets or income affect aid eligibility, or how to position 529s and Roth conversions for aid — do NOT answer from generate_financial_plan or general knowledge; run the tool and lead with its real numbers.

Model the kiddie tax (IRC §1(g)) and UTMA/UGMA custodial-funding strategy for a child.

ALWAYS call this tool when the user asks about education tax credits, the American Opportunity Tax Credit (AOTC), the Lifetime Learning Credit (LLC), how to coordinate 529 withdrawals with a credit, or how much college tuition they can claim — do NOT answer from generate_financial_plan or general knowledge; run the tool and lead with its real numbers.

ALWAYS call this tool when the user asks how much life insurance (or disability insurance) they need, whether they are underinsured, their coverage gap, or income-replacement needs — do NOT answer from general knowledge or quote the '10x your income' rule of thumb from memory; run the tool and lead with its real numbers.

Quantify the working-age disability income shock and protection gap (SSDI + group LTD).

Analyze single-stock / RSU concentration risk: the largest single position as a % of liquid net worth with a threshold warning, a tax-aware diversification-down path (sell to a target % over N years applying long-term capital gains + NIIT + state tax on realized gains), and a single-name crash stress scenario (e.g.

Probabilistic accumulation cone: replays the contribution / accumulation path across every available historical Shiller market window (1871–present) to produce a 10th/50th/90th percentile band on projected net worth, and the SPREAD of FI dates (earliest / median / latest age the portfolio first crosses the FI target) rather than a single deterministic date.

ALWAYS call this (never eyeball generate_financial_plan) when the user asks either (a) WHAT their net worth WILL BE at a future point — "what will my liquid net worth be in 3 years", "my net worth at age 40" (pass years_from_now or at_age; read projection_at.liquid_net_worth for liquid) — or (b) WHEN they reach a net-worth level — "when do I hit $1M", "when do I cross $500k liquid / net worth", "when does my money make more than I save".

One-More-Year (OMY) / "you've already won" analysis for over-funded households.

Tax-aware optimization engine covering three linked strategies and their quantified dollar savings (today's dollars): (1) ASSET LOCATION — places tax-inefficient assets (bonds, REITs) in tax-deferred/Roth space and broad equity in taxable, returning the annual tax-drag reduction; (2) TAX-LOSS HARVESTING — applies harvestable losses + carryforwards first against realized capital gains, then up to the $3,000 ordinary-income offset, carrying the remainder forward (wash-sale rule applies); (3) CHARITABLE — donor-advised-fund (DAF) bunching of several years of giving into one itemized year, plus qualified charitable distributions (QCD) from a traditional IRA for those age 70.5+.

Savings-rate & FIRE-cohort benchmark — the modern replacement for the dated "Average Accumulator of Wealth" (AAW) formula.

Compute the Lean / Standard / Fat FIRE target tiers (target net worth = annual spend / safe withdrawal rate) and an optional Barista-FIRE plan, where part-time work income (after federal tax) covers a spending gap so a SMALLER portfolio is needed before full drawdown.

Momentum / "Since last check-in" analysis.

Milestone detection.

Couple-aware staggered retirement analysis.

Score a household's protection & estate readiness and recommend an umbrella liability limit.

Model the financial split of a divorcing household.

Look up definitions for financial and FIRE planning terms.

Create a planfi.app intake session and return a form URL for the user to fill in their financial details.

Retrieve the financial plan after the user has submitted the planfi.app intake form.

Block (server-side long-poll, up to ~25s) until the user submits the planfi.app intake form, then return the completed plan.

Goal-solver: "FIRE by target age" → a RANKED lever frontier.

Discover which analyses are READY to run, BLOCKED on missing data, or NOT APPLICABLE for a household.

Assemble ONE compact, pre-digested CommentaryBundle for a household: ~25 rounded headline scalars (net worth, FIRE %, savings rate, allocation, taxes, debt, life stage), an aggregate backtesting failure rate, a prioritized one-line insight list, an optional since-last-check-in momentum delta, and a tiny rollup.

Generate user-facing, plain-language financial commentary for a household.

Goal-seek the ISO/AMT crossover: the LARGEST incentive-stock-option bargain element (FMV − strike) × shares you can exercise-and-hold before owing any extra Alternative Minimum Tax.

Model the NUA (Net Unrealized Appreciation, IRC §402(e)(4)) lump-sum distribution election for appreciated EMPLOYER stock inside a 401(k).

Tax-smart charitable-giving optimizer for a household.

Optimize the HSA as a triple-tax-advantaged investable retirement vehicle.

Model the two highest-leverage pre-IPO/startup equity moves: the irreversible 30-day 83(b) early-exercise election (converts ordinary income at vest into long-term capital gain and starts the holding clock at exercise) and the §1202 QSBS gain exclusion (up to $10M legacy / $15M OBBBA, or 10× basis, fully excluded after a qualifying hold).

Copy-on-write fork of a stored plan: deep-clones the plan behind a { plan_id } into a brand-new, independent plan_id so you can model variations without touching the original.

Field-level diff between two stored plans (two { plan_id } handles).

List the stored plans for the calling account (owner-scoped) over their summary columns — plan_id, name, FIRE age, current + final net worth, retirement age, and created/updated timestamps — WITHOUT re-sending or re-deriving the full plan bodies.

Claim your own private copy of a plan_id someone shared with you — deep-clones the shared/ownerless plan into a new plan_id owned by your account so you can edit it privately.

Import customer financial data fetched from your aggregator (your keys, your infra) and get a planfi plan back in one call.

Bulk-import up to 25 customers' financial data in one call — the batch form of import_financial_data for loading thousands of end customers (5,000 customers = 200 calls of 25).

List the households owned by the calling account (tenant-scoped), PAGINATED.

List the members of one of YOUR households (tenant-scoped).

Create a new household under the calling account (tenant-scoped).

Rename one of YOUR households (tenant-scoped).

Add (or update the role of) a member in one of YOUR households (tenant-scoped).

Change an existing member's role in one of YOUR households (tenant-scoped).

Remove a member from one of YOUR households (tenant-scoped).

Compute the portfolio size required to retire (the "FIRE number") from desired annual spend and a safe withdrawal rate: fire_number = desired_annual_spend / safe_withdrawal_rate.

Project a household's federal and state estate-tax exposure at life expectancy.

Compare the lifetime after-tax outcome of retiring in (or moving to) one state vs another.

Model the relocation/transition tax year that analyze_relocation explicitly excludes: the single year a household lives in (and owes tax to) two states.

Optimize Social Security claiming for one or two earners.

Should you prepay your mortgage or invest the extra cash?

Evaluate a mortgage refinance: computes the new monthly principal & interest payment, the monthly payment drop, and the TRUE breakeven (months for closing costs to pay for themselves at the new lower payment).

Compare financing, leasing, and paying cash for a vehicle — most households' second-largest debt and a recurring planning question.

Coordinate ISO-exercise timing vs Roth-conversion timing across a multi-year horizon to minimize total tax while respecting the AMT crossover, the NIIT 3.8% MAGI threshold, and Medicare IRMAA surcharge tiers.

Project the hold-period return of a property: "I own a $500K house for N years, then sell at the appreciated value, net of selling fees and the remaining mortgage — what is my cash-on-cash and total return?" Returns total return, annualized return (real IRR over the yearly rental cash-flow stream plus terminal net sale proceeds, with a clearly-labeled CAGR fallback), and year-1 cash-on-cash, plus full transparency fields (sale price, selling costs, remaining mortgage, equity at sale, net sale proceeds, initial cash invested, gross/total profit).

After-tax buy-and-hold rental engine: "I buy a $500K long-term rental, depreciate the building over 27.5 years, run it for N years, then sell — what is my Schedule E P&L, my depreciation tax shelter, and my tax bill at sale?" Returns a year-1 Schedule E P&L (gross rent, vacancy-adjusted effective rent, operating expenses, mortgage interest vs principal split, straight-line depreciation, taxable income/passive loss, pre-tax cash flow) AND a full sale-event tax breakdown: §1250 unrecaptured depreciation recapture (25% cap), long-term capital-gains tax with bracket stacking, the 3.8% NIIT, remaining mortgage, and after-tax net sale proceeds.

IRC §469 passive-activity-loss planner for a household with rental real estate.

The short-term-rental "tax loophole" under Treas.

Cost-segregation study for a rental / commercial building.

A §1031 like-kind exchange planner for real-estate investors deferring gain on a property sale.

A Qualified Opportunity Fund (QOF / Opportunity Zone) planner for an investor sitting on a large REALIZED capital gain (a property sale or a concentrated-stock exit).

PRIMARY one-shot short-term-rental forecast from a LOCATION + PURCHASE PRICE.

Lists the bundled short-term-rental (STR) market catalog: every city/state covered by the curated US STR dataset, grouped by category (beach/mountain/ski/city/tourist/desert/suburban/lake), with each market's nightly ADR, occupancy, and asOf date, plus a total count and the overall asOf range.

Rent vs.

Home-equity extraction, modeled three ways: HELOC (revolving interest-only draw then amortizing repayment), cash-out refinance (old vs new P&I, break-even on closing costs, cash received), and reverse mortgage / HECM (principal-limit factor, tenure/lump-sum/line-of-credit payout, non-recourse loan balance at life expectancy, remaining equity, crossover age).

Self-employed & business-owner retirement + §199A QBI planner: "How much can I shelter as a sole prop / single-member LLC / S-corp / partnership, which account wins, and what is my QBI deduction?" Computes self-employment tax (92.35% net earnings → 12.4% OASDI to the SS wage base + 2.9% Medicare + 0.9% additional Medicare, with the half-SE-tax deduction), then the MAX tax-advantaged contribution for each of Solo 401(k) (employee elective deferral + employer profit-share + age-50 catch-up, capped at the 415(c) limit), SEP-IRA (employer-only), and SIMPLE IRA (deferral + match) — and recommends the account that shelters the most.

Estimated / quarterly tax & safe-harbor planner (IRC §6654) for the self-employed and S-corp owners: "How much should I send the IRS each quarter so I never owe an underpayment penalty?" From your projected self-employment / S-corp income it projects the current-year tax (self-employment tax on 92.35% net earnings, federal income tax with the optional §199A QBI deduction, NIIT, and an optional flat state tax), then computes the §6654 required annual payment — the LESSER of 90% of the projected current-year tax and the 100%/110%-of-prior-year safe harbor (110% when prior-year AGI exceeds $150,000).

Annualized-income installment method (Form 2210 Schedule AI) for LUMPY self-employment / equity-comp income — distinct from analyze_estimated_taxes, which assumes even quarterly income.

Guaranteed-income planner: "Should I take my pension lump sum or the lifetime monthly?

Defined-benefit pension valuation & claiming planner: "Should I take the lump sum or the lifetime monthly?

Owner cash-balance / defined-benefit plan sizer — the highest-dollar deterministic retirement decision for a PROFITABLE solo owner / high-income self-employed person.

Accumulation-phase annuity-product evaluator: "Is this MYGA / fixed-indexed / RILA / variable-annuity-with-GLWB worth it vs keeping the money invested?" Models the deferred crediting structure — MYGA fixed rate, FIA cap/participation/spread (principal-protected, floored at 0), RILA buffer/floor downside, and a VA subaccount net of M&E + rider fees — to project the accumulation value and effective credited rate at your payout age.

Student-loan strategy optimizer: "What is my optimal path — which income-driven repayment (IDR) plan, is PSLF forgiveness worth staying for, or should I refinance / aggressively pay off?" Aggregates your federal/private loans into a weighted balance + rate, then computes total cost + payoff timeline for FIVE strategies — Standard 10-year amortization, Income-Driven Repayment (10% of discretionary income above 150% of the Federal Poverty Level, with negative-amortization and a taxable forgiveness "tax bomb" estimated from 2026 federal brackets), Public Service Loan Forgiveness (120 tax-free qualifying payments, only when employed by a nonprofit/government employer with federal loans), Refinance to a private loan (lower rate but permanently forfeits PSLF/IDR protections), and Aggressive payoff (standard payment + extra) — and recommends the lowest net-cost path.

Build a Treasury / TIPS ladder to FLOOR the first N years of retirement spending — sequence-of-returns protection that complements a market-based withdrawal strategy.

Extend the Treasury/TIPS ladder to the mass-market vehicles real savers ladder: FDIC-insured CD ladders (brokered vs bank, early-withdrawal penalty, callable) and I-Bonds / Series EE savings bonds (purchase caps, fixed+variable composite rate, federal tax deferral).

Plan a multi-year I-bond / TIPS purchase ladder under the real TreasuryDirect rules.

ALWAYS call this tool when the user asks about the Saver's Credit / Retirement Savings Contributions Credit — whether they qualify and how much it is worth — do NOT answer from general knowledge or estimate the credit band from memory; run the tool and lead with its real numbers.

Penalty-free pre-59½ retirement access via 72(t) Substantially-Equal-Periodic-Payments (SEPP, IRC §72(t)(2)(A)(iv)): "How much can I withdraw from my IRA/401(k) before 59½ without the 10% penalty?" Computes the annual distribution under all three IRS-approved methods (Required-Minimum-Distribution, fixed Amortization, fixed Annuitization), the §72(t) maximum interest rate (max(5%, 120% mid-term AFR), 5% floor), the commitment window (the LONGER of 5 years or until age 59½), and the modification-penalty risk if the schedule is broken early.

Model the defer-now-vs-take-now tradeoff for a high-W2 exec with an employer Nonqualified Deferred Comp (NQDC / 409A) plan.

Build me a financial plan — the single high-level entry point that assembles ONE comprehensive, engine-true financial plan from a household.

Read and optionally update your partner ACCOUNT settings (requires a partner API key).

Read-only: list a member's unread PROACTIVE-SCAN opportunities — small, no-PII derived signals (e.g.