When can you actually retire?

Yes. No ads, no account, no monetization. We built it because high earners deserve better planning tools. It will always be free.

Yes. Roth conversions, backdoor Roth, mega-backdoor (post-tax 401k contributions), and IRMAA optimization are all built in.

Model RSUs as a speculative asset, then run tax-loss harvesting and concentration sell-down analysis. The engine accounts for NIIT and AMT.

Yes. For high-W2 execs, analyze_deferred_comp runs the defer-now-vs-take-now election: elective deferral of salary/bonus past the 401(k)/415 qualified-plan caps, lump-vs-installment distribution timing, bracket / IRMAA / 0.9% Additional-Medicare smoothing into low-income FIRE bridge years, and the employer unsecured-creditor risk (a 409A balance is an unsecured promise, not a funded account) — present-valued and risk-adjusted into a defer / take-now recommendation.

Yes. For long-tenured high earners holding appreciated employer stock inside a 401(k), analyze_nua runs the IRC §402(e)(4) lump-sum in-kind distribution election: you pay ordinary income tax now on only the plan cost basis, and the appreciation is taxed at long-term capital-gain rates (0/15/20 + NIIT) when the shares are sold — versus rolling the whole balance to an IRA, where every future dollar is taxed at ordinary rates and is exempt from NIIT. It computes the NUA-vs-IRA-rollover breakeven ordinary rate, the 10% early-distribution penalty on the basis (never the appreciation), an optional Roth-conversion alternative, and an elect-NUA / roll-to-IRA recommendation.

Yes. analyze_charitable_giving is a first-class charitable analyzer for high earners with giving intent or concentrated appreciated positions. It surfaces donor-advised-fund (DAF) bunching — clustering several years of gifts into one year to clear the standard deduction and itemize — qualified charitable distributions (QCD) at age 70.5+ to satisfy RMDs while excluding the amount from AGI (lowering IRMAA and Social-Security taxation), and donating long-term appreciated stock or RSUs in-kind to avoid capital-gains tax (plus NIIT) on the embedded gain AND take the full fair-market-value deduction, subject to the 60%-cash / 30%-appreciated AGI limits with 5-year carryforward. It returns the bracket-exact tax savings of each lever and a recommended strategy.

Yes. For pre-IPO/startup equity, planfi models the irreversible 30-day 83(b) early-exercise election — the ordinary-income-to-LTCG conversion and the holding-clock start — and the §1202 QSBS gain exclusion of up to $10M or 10x basis, including the OBBBA tiered holding periods. These are the highest-leverage moves for founders and early employees, and they also fund C-corp business-owner exits.

Yes. analyze_education_credits optimizes the federal education tax credits per student: 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) versus the Lifetime Learning Credit (LLC, 20% of up to $10,000 = $2,000 per RETURN, no year limit, grad/part-time). It computes the 2026 MAGI phase-out ($80k–$90k single / $160k–$180k MFJ) including the partial-credit band and the cliff above it, enforces the no-double-dipping rule (you can't claim a credit on the same expenses paid by a tax-free 529 distribution), runs the per-student AOTC-vs-LLC election with the LLC per-return cap, and recommends carving out $4,000 of expenses to pay out-of-pocket so you preserve the full AOTC. Give it your students and numbers and it returns the recommended credit per student, total household credit, the refundable/non-refundable split, and the 529 carve-out.

Yes. 150+ years of Shiller S&P 500 data. Every rolling window from 1871 to present. Sequence-of-returns risk, concentration risk, and outcome ranges.

Yes. The full MCP tool catalog, no auth required. Tell Claude your situation, it runs generate_financial_plan, and returns your full projection.

Yes. assemble_comprehensive_plan chains the engine end-to-end — accumulation/FIRE projection with Monte Carlo backtesting, 529 education funding status, estate-tax exposure, and insurance/protection gaps — into one cohesive deliverable. Say "build me a financial plan" with your numbers and Claude returns all four sections, every figure engine-computed.

Yes — free, open-source, MIT-licensed. Each skill turns Claude into a specialist that calls the planfi MCP: Financial Forecast, Comprehensive Plan, FIRE Tracker, Tax Optimizer, Retirement Income (RMDs, IRMAA, and inherited-IRA 10-year drawdown), Debt & Cashflow, Equity Comp Planner, Deferred Comp Planner, Portfolio Rebalancer, Startup Equity Planner, Rent vs Buy, Long-Term Rental Analyzer, STR Investment Analyzer, Self-Employed Planner, Relocation Planner, and Divorce Financial Planning. Browse and install them from the catalog at github.com/KameronKales/planfi-skills, or grab one with `npx skills add holdequity/planfi-<name>`.

Yes. Model rental cash flow, short-term rentals (Airbnb/VRBO) with cash-on-cash, cap rate and break-even occupancy, and full hold-period return — own for N years, then sell at the appreciated value (or a price you set directly, say after a renovation), net of selling fees and remaining mortgage — for cash-on-cash, total return and annualized IRR. You can even buy in a few years and sell after a hold, with the proceeds folded back into your FIRE timeline. For buy-and-hold landlords it also runs the after-tax math: a Schedule E P&L (rent minus vacancy, opex, mortgage interest and 27.5-year straight-line depreciation), the depreciation tax shelter, ~25% Section 1250 depreciation recapture and long-term capital-gains tax at sale, and the deferral from a 1031 like-kind exchange.

Yes. planfi computes the federal Saver's Credit (IRC §25B) — up to 50% of the first $2,000 of retirement contributions per filer for lower- and moderate-income savers, with the 50/20/10% AGI bands, the non-refundable tax-liability cap, and the student/dependent/under-18 eligibility gates — and folds the allowed credit into your accumulation-year federal tax. For pre-59½ access it also runs 72(t)/SEPP substantially-equal periodic payments under all three IRS methods (RMD, amortization, annuitization), the §72(t) maximum interest rate, the required commitment window (the longer of 5 years or age 59½), and the retroactive-penalty risk of breaking the schedule.

Both included. 3.8% NIIT on investment income above thresholds. AMT phase-outs, state-specific taxes, and dual-state filers all supported.

Model each earner separately (age, retirement age, salary, 401k, IRA limits), and run scenarios for staggered retirement, spousal strategies, and income splitting.

Yes. JSON (raw data), PDF (full report), or markdown. Your data is always yours. Export any time, use it forever, even if the site goes away.

Yes. planfi projects your federal estate-tax exposure against the exemption — including the 2026 sunset — at the 40% top rate, with spousal portability and state estate and inheritance taxes layered in.

Yes. It estimates your PIA from AIME and the bend points, then compares claiming at 62, full retirement age, and 70 with breakeven analysis and spousal/survivor strategies.

Yes — with real progressive brackets, not a flat rate. All 50 states + DC are modeled in full with both single and married-filing-jointly bracket tables, including California taxing RSU income and long-term capital gains as ordinary income and surcharges like the CA mental-health levy and the MA millionaire surtax.

Yes. For a defined-benefit pension it compares taking the lump sum vs the lifetime monthly — present value of each, the breakeven/longevity age, and the income floor the monthly buys. For immediate annuities it weighs a SPIA or QLAC against a DIY portfolio at your safe withdrawal rate, including the RMDs a QLAC defers. It also models accumulation-phase deferred products — fixed-indexed (FIA), buffered/floored (RILA), multi-year guaranteed (MYGA) and variable annuities with a GLWB rider — accounting for cap/participation/spread rates, rider fees and rollups, plus the non-qualified exclusion-ratio tax (IRC §72, so only the gain portion of each payout is taxed) and tax-free §1035 exchanges between contracts.

Yes. analyze_inherited_ira runs the post-SECURE-Act 10-year rule for a non-spouse beneficiary: it determines whether annual RMDs are also required in years 1-9 (required when the original owner had already reached their required beginning date, using the IRS single-life-expectancy divisor) versus only the year-10 empty rule (owner died pre-RBD, or a Roth). It then compares a naive lump-in-year-10 withdrawal against an even 10-year spread and a bracket-fill schedule, quantifying total federal tax across the window and flagging the year-10 cliff where deferring everything spikes one year into the top bracket plus NIIT and IRMAA. Traditional distributions are ordinary income; Roth distributions are tax-free but still subject to the 10-year empty rule.

Yes. The RMD readout projects your required minimum distributions (start age 73 or 75 under SECURE 2.0), the Roth-conversion runway before they begin, and whether your first RMD triggers a "tax torpedo" that bumps your marginal bracket. A separate IRMAA tool shows which Medicare income tier your MAGI lands in, the annual/monthly Part B/D surcharge, and the headroom to the next income cliff (using the 2-year lookback).

It now covers the gaps that kept high-earner plans incomplete — estate-tax exposure, Social Security claiming, progressive brackets for all 50 states + DC, guaranteed-income elections (pension lump-sum vs lifetime, SPIA/QLAC vs DIY), long-term care (self-insure vs LTC/hybrid policy), dynamic spending guardrails, and home-equity extraction — on top of a best-in-class accumulation and tax engine. That now includes defined-benefit pensions: analyze_defined_benefit values the lump-sum vs lifetime-annuity decision (implied return, breakeven age, present value), the joint-and-survivor election, COLA vs non-COLA real erosion, and the early-vs-normal actuarial reduction — folding the resulting income floor into the forecast like Social Security.