ArthaPilot

Household tax simulation

Household portfolio tax simulation with accounts and lots

Model household portfolio scenarios with account types, taxable lots, RMDs, withdrawals, and tax-aware result review kept visible.

Household portfolio taxes are hard to reason about when one balance flattens accounts, lots, withdrawals, and RMDs together.

ArthaPilot keeps household members, account types, taxable lots, tax profile, and portfolio assumptions visible so users can inspect how tax context changes a modeled result.

Open Tax-Aware AllocatorReview Tax Opportunities

Start with one question

Explore the results

Household setup check

Which members, accounts, lots, filing status, and tax assumptions define the simulated household?

Output previewMembers | accounts | lots | filing status | tax profile

Open household

After-tax result review

Does the portfolio result change once the model includes tax lots, withdrawals, RMDs, and account routing?

Output previewAfter-tax value | realized gains | annual taxes | drift

Open Tax-Aware Allocator

Tax diagnostic review

Which saved lots or tax thresholds explain the next modeling follow-up?

Output previewPotential losses and gains | tax-bracket room | NIIT threshold | warnings

Review Tax Opportunities

What stays attached to the simulation

  • Household members, filing status, income assumptions, and tax profile.
  • Taxable, traditional, Roth, HSA, and brokerage account treatment.
  • Taxable lot basis, acquisition dates, holdings snapshot, withdrawals, contributions, and RMD settings.

What to inspect in the result

  • Whether pre-tax and after-tax result rankings still point in the same direction.
  • Realized gains, losses, annual taxes, taxable share, and allocation drift.
  • Routing infeasibilities, wash-sale warnings, stale snapshot notices, and account-level pending trades.

Steps

  • Open Household to set up tax context, accounts, and holdings.
  • Run the Tax-Aware Allocator or a tax-aware backtest using the saved accounts.
  • Review Household Tax Opportunities and live strategy output before treating a result as implementation-ready.

Current boundary

ArthaPilot models scenarios and exposes the assumptions behind the result. It does not prepare returns, recommend trades, or replace tax, legal, investment, or filing advice.

FAQ

Does this prepare my taxes or recommend trades?
No. It models scenarios and surfaces assumptions and diagnostics. It does not prepare returns, recommend trades, or replace tax, legal, investment, or filing advice.
Why model a household instead of one portfolio?
Taxable lots, account type, owner, RMD timing, withdrawals, wash-sale context, and asset location can change after-tax interpretation even when the blended allocation looks the same.

Related pages

Asset Location Backtesting

Compare account-aware placement assumptions across taxable, traditional, Roth, and HSA accounts.

Tax-Aware Backtesting

Compare pre-tax and after-tax portfolio paths under explicit assumptions.

Household Tax Opportunities

Review potential gains and losses in saved tax lots, tax-bracket room, distance to the net investment income tax (NIIT) threshold, and wash-sale warnings.

v3.3 household tax modeling

Guide to the household tax, conversion, and decumulation workflows.