This is sample data. Tell Claude "refresh" with your Chrome logged into Schwab & Robinhood — or drop your broker CSV exports into the chat — and this dashboard will be republished with your real holdings.
Loaded: Schwab (5 accounts, 8/25) + Robinhood with full tax lots (from your activity file) + 25.5 BTC direct. Your 2026 realized losses from Robinhood are in the tax log below, including one wash sale. Schwab taxable-account lots are loaded (IRA/HSA/Roth lots aren’t needed — sales there don’t hit MAGI). Last gap: BTC cost basis (parked — it sets the taxable gain on any coin you sell). Robinhood cash/margin is estimated from the activity file — verify. BTC priced manually; tell Claude "refresh BTC" anytime.
Total portfolio
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0% LTCG headroom
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$0—
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ACA cliff headroom
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$0—
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Allocation
by asset class
Holdings
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Harvest planner
taxable lots only · tick lots to simulate selling them — losses lower MAGI, gains raise it
Sorted losses-first. "MAGI /$1k" is how much each $1,000 of cash raised moves your MAGI — negative is a subsidy-year gift. Selling a loss lot and rebuying the same ticker within 30 days (either side) wash-disallows the loss. Basis on two IREN call lots is listed as Missing by Schwab, so they can't be simulated. This models taxes, not markets — sale prices are today's.
Spending & burn
actuals from your transaction history · the budget column is the forward-looking steady state
Jan–Feb 2026 show net credits (large refunds), and payroll deposits still appear in checking — treat trailing averages as reference, not destiny. Edit the budget column to define the steady state; it feeds the scenarios below and saves automatically.
Affordability scenarios
burn → funding mix → MAGI → what it costs you in subsidy & tax
W-2/1099 take-home while you're still working. Set to 0 for full drawdown mode. Counts toward MAGI.
Loan proceeds & spending from cash — funds the gap with zero MAGI.
Counts as ordinary income in MAGI (plus 10% penalty before 59½ unless an exception applies).
Whatever the funding inputs don't cover is sold from taxable holdings; this % of each sale is long-term gain. Load your tax lots to replace this guess with real numbers.
Tax center
2026 · realized income vs. the brackets that matter
Your profile
The second-lowest-cost Silver plan for your age & county — find it on healthcare.gov. Drives the subsidy estimate.
Interest, ordinary dividends, W-2/1099 income — anything not in the log below.
2026 realized income log
Where this year stands
2026 parameters baked in: 0% LTCG bracket up to $49,450 taxable income (single) / $98,900 (MFJ); standard deduction $16,100 / $32,200. ACA enhanced credits expired Jan 1, 2026 — the 400% FPL subsidy cliff is back (a bill to restore them passed the House in Jan 2026 but is not law). FPL for 2026 coverage: $15,650 + $5,500 per additional household member (48 states). Subsidy estimate uses the 2026 applicable-percentage schedule (2.1%–9.96%, none above 400% FPL) and your benchmark premium — an estimate, not a filing document. Nothing here is tax advice; confirm with your CPA before selling.