Análisis de la app RMDAnalyzer para 20 de enero

Why RMDAnalyzer RMDAnalyzer helps you see how today’s choices affect tomorrow’s after-tax outcomes. Run a baseline RMD forecast, try a What-If plan (like “fill my bracket to 80% each year”), and Compare to Baseline to see your end-of-plan, after-tax lift. Who it’s for: Individuals planning RMDs from IRAs/401(k)s Families stress-testing taxes for heirs. Financial enthusiasts who want transparent math. Personal Version — Not for commercial use. For client-facing reports, upgrade to Pro. Key Features (with Definitions & Benefits) 1) Baseline RMD Forecast: What it does: Year-by-year RMDs using the IRS Uniform Lifetime Table (owner), taxed using your filing status and baseline taxable income, with portfolio growth. Age 73 divisor = 26.5 (owner table). End balance convention: (Start − RMD − Extra) × (1 + return). Optional “Today’s dollars” display in Settings. 2) What-If Planner (Headroom, Cap, Timing, Repeat) What it does: Simulates additional withdrawals to “fill” a tax bracket up to a chosen headroom %, with optional max per-year cap, timing (this year/next year/annually), and a repeat years limit. After-Tax Bucket destination with custom return and tax drag. “Show as read-only account” to visualize the bucket alongside your accounts. 3) Compare to Baseline (Δ Terminal After-Tax) What it shows: Clear “lift” vs doing nothing extra. Δ Terminal after-tax = (Heirs after-tax in Scenario + After-Tax Bucket) − (Heirs after-tax in Baseline). Δ Lifetime taxes = total taxes (Scenario) − total taxes (Baseline). Tip: If heirs-after-tax doesn’t change much, Δ Terminal ≈ After-Tax Bucket. 4) Filing Status & Tax Tables What it does: Choose Single or Married Filing Jointly; “Tax Table In Use” shows the active year and source. Reminder: Rerun forecasts when new tax tables are published. 5) Per-Account Return Overrides What it does: Set expected returns per account, with a global fallback. 6) Landscape PDF Export with Glossary What it does: Exports a clean, landscape PDF that: Prunes empty “all-dash” columns Includes Inputs, Headline, What-If Summary (with compare line), and full Forecast table Adds a Glossary page (Uniform Lifetime divisor + end-balance formula) Prints a privacy caution footer by default Sensitive info: Reports may include personal financial data. Share only with trusted parties. What’s New: Compare header layout improved (separate label/amount lines) Filing status picker (Single/MFJ) reflected across app and PDF PDF defaults to landscape; auto-prunes empty columns; adds Glossary Stability: share sheet presents only after export is fully written App Privacy: No ads. No third-party trackers. Data stays on device except when you export/share a PDF. Not tax advice. Educational modeling only. Review Notes: Uses the IRS Uniform Lifetime Table (owner) (e.g., age 73 = 26.5). End-balance convention: (Start − RMD − Extra) × (1 + return). No financial advice; educational modeling. Share sheet presents only after file exists and is non-empty.