Retire.Portfolio Desk

How many months of cash are in the reserve, when a refill is due, and what selling each lot would mean for tax.

Retire. Portfolio Desk. A calculator for the retirement paycheck. It works from the plan and the holdings you enter. Not advice.

Free for Retire. members · Any browser, any brokerage

1 · Each month

Months of cash.

Home reads the reserve against your floor and target, and shows whether a refill is due. You type two numbers: the total of the accounts, and the cash in the paycheck account.

2 · When the reserve is low

A refill, lot by lot.

How much to sell to get back to target, lot by lot, in the order your rules set. Each row shows the gain or loss, and whether it is long-term. Recording it counts toward this year's gains.

Refill: how much to sell to get back to target, lot by lot, with the gain or loss and whether it is long-term

3 · Set up once

Your plan and your holdings.

Load a plan from Income Lab or Boldin, or type the numbers. Enter what each account holds, where the paycheck is paid from, and how many months of cash to keep.

Set up: the plan, the accounts and the cash reserve, each on one line with Change

What it checks, and what you set.

What it checks.

Long-term or short-term.By the calendar, from each lot's purchase date.

Room under the 0% capital gains line.And under the next Medicare premium tier, from this year's income.

Wash-sale check.Flags a loss if the same holding was bought in the last 30 days, in any account, including IRAs.

IRA withholding.Withholding on the taxable part of an IRA withdrawal is counted, so the reserve lands on target after tax.

This year's tally.Every recorded refill counts toward the gains and the withdrawals in the plan.

What you set.

Floor and target.A refill is due below the floor and fills back to the target.

How much gain to allow this year.The gains the plan expects, or a figure of your own.

The order lots are offered.Losses first, then the smallest gains, or another order. Short-term lots last, if you choose.

An income ceiling.A line this year's income stays under.

Holdings that are off the table.Named once in Set up, and never offered.

What it is not

It does not recommend investments, forecast returns, place trades, or replace your plan or your advisor. Every decision is yours. Your numbers stay on your device, locked with a passcode only you know.