Net Worth Over Time
Accounts + Property Equity + Brokerage
Retirement Accounts
Brokerage
Property Equity
Income vs Outflows
Annual cash flow — bars show amounts, line shows net
Total Income
Total Outflows
Net Cash Flow
Retirement Accounts
401(k), IRA, Roth, Super
Properties
Real estate and mortgage details
Brokerage Accounts
Taxable investment accounts
Income Sources Over Time
How income composition shifts through retirement
Employment
Social Security
Account Withdrawals
Property Sales
Retirement Drawdown
Net worth and liquid assets during retirement phase
Net Worth
Liquid Assets
Year-by-Year Projection
Detailed annual breakdown
| Year | Income | Outflows | Net Flow | Est. Tax | Net Worth |
|---|---|---|---|---|---|
| Running projection… | |||||
Estimated Tax Burden
Annual tax and effective rate over time
Tax Amount
Effective Rate %
🇺🇸 US Tax Brackets
MFJ — current year (inflated)
🇦🇺 AU Tax Brackets
Individual rates — current FY
Account Tax Treatment Summary
| Account Type | Contributions | Growth | Withdrawals |
|---|---|---|---|
| 🇺🇸 401(k) / IRA | Pre-tax | Deferred | Ordinary income |
| 🇺🇸 Roth IRA | After-tax | Tax-free | Tax-free (59½+) |
| 🇺🇸 Brokerage | After-tax | Annual dividends taxed | LTCG rates on gains |
| 🇦🇺 Super (accumulation) | 15% in-fund | 15% earnings tax | Tax-free (age 60+) |
| 🇦🇺 Super (US citizen) | ⚠️ IRS may treat as foreign trust — seek specialist advice | ||
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