Headroom.
Portfolio & tax-bracket command center
as of —
Total portfolio
0% LTCG headroom
$0
ACA cliff headroom
$0

Allocation

by asset class

Holdings

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.