MakeItBitar

Private household planning

Family Forecast

Net worth, cash flow, kids, jobs, and big decisions in one model.

Wiki

Projected retirement -- --

Current net worth -- Assets minus debts

Monthly surplus -- After all-in spending

Forecast risk -- --

Saved scenarios

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Name

Balance snapshot

Real estate Investments Cash Vehicles Debt

Cash flow snapshot

Months covered Total income Total expenses

Kids from notes

Vivi expense over same period Pax monthly cost College savings per kid / year

Paste screenshot totals or type values here, then apply.

Elias

Age Annual income Retirement spending Safety multiple

Fio

Age Annual income Retirement spending Safety multiple

Vivi

Age Monthly cost Childcare College monthly College gap

Pax

Age Monthly cost Childcare College monthly College gap

Shared kid assumption

Childcare ends at age

Elias

Job change in New income Income pause starts Pause length

Fio

Job change in New income Income pause starts Pause length

Remodel starts in Remodel cost Use cash for remodel Added home value Temporary monthly overrun

Prior tax returns

Use total household income and total tax burden if you have it. Federal return tax alone is useful, but it understates payroll and state taxes.

2023 income 2023 taxes paid 2024 income 2024 taxes paid 2025 income 2025 taxes paid

Model settings

Fallback starts at 0% so the dashboard does not double-count taxes if Monarch income is already take-home cash. Once you enter prior return data, the model uses that effective rate automatically.

Fallback effective tax rate Income treated as gross taxable pay Annual pre-tax 401(k) + HSA

Modeled tax rate -- --

Estimated annual taxes -- Reduces forecast cash flow

After-tax income -- After tax and pre-tax savings

2026 federal reference points

MFJ standard deduction: $32,200. 401(k) employee deferral limit: $24,500 per person. HSA family limit: $8,750. Federal brackets are layered, so only the next dollar is taxed at the next marginal rate.

All-in monthly expenses Invested assets Cash Real estate Vehicles Debt Expected return Inflation Income growth

Vacation home

Price Purchase timing Down payment Interest rate Loan length

Car

Price Purchase timing Down payment Interest rate Loan length

Emergency fund months

Future net worth

Expected Conservative Optimistic

Events shaping the plan

Click graph dots or table rows to select multiple events.

Family Forecast

Future net worth

Events shaping the plan

Asset purchases

Scenario comparison

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