Choudhury Financial Planner

Financial Planning Tool

Housing, Cash Flow & Spending Analysis

Monthly Cash Flow

Household income & spending snapshot

Gross Income

$100,000

Take-Home

$50,000

Surplus

$7,500

Spent

$7,842

Budget

$10,575

under budget

-$1,513

🔍

Import CSV ▸

Conscious Spending Plan

▼

SCENARIOS

Editing: Scenario

Name

Housing

Buy Rent

Price ($)

Down %

School (per household/mo)

Private Elem K-5 $

Private Middle 6-8 $

Private High 9-12 $

HOUSING

▸

STOP WORKING ▸

SOCIAL SECURITY ▸

COLLEGE (529 PLANS) ▸

ROTH CONVERSION LADDER ▸

Enabled

HIGH-INCOME RUNWAY ▸

BEAR MARKET SIMULATOR ▸

ASSET ALLOCATION ▸

DOWNSIZE HOME ▸

Year-by-Year

Income, taxes, accounts & drawdown — every year from now to 90

Click any yellow cell to edit. Blue border = has override.

Columns:

Tax & Strategy Insights (2025 TCJA/OBBBA Rules)

💰

401k: Max Pre-Tax Now

At 37% fed + 11.3% CA marginal rate, every $1 in pre-tax 401k saves ~$0.48 in taxes. Convert to Roth later when your rate drops to ~22%.

🏠

Mortgage Interest Deduction

Only interest on the first $750K of mortgage is deductible (TCJA, now permanent). On a $1.8M mortgage, ~42% of interest qualifies. SALT capped at $10K at your income.

🔄

Roth Conversion Ladder

Between retirement and Social Security (ages 55-67), convert $100K/yr from 401k to Roth at ~22% instead of paying 32%+ later. Tax-free growth from there.

📊

CA SDI: Hidden 1.2% Tax

Since 2024, CA SDI has no wage cap. At $1.2M income, that's $14,400/yr. This is included in FICA+SDI column.

Retirement Planning

Plan your income, housing, expenses, and see how it all plays out

Lifetime Wealth Projection

Zoom:

Net Worth (Rent) ±1% Return Range FI Target Retirement

Peak Wealth

$9.6M

at age 65

Hit FI Target

Age 52

13 years from now

At Age 90

remaining

Verdict

On Track

Money lasts past 90

Stress Testing Bear Market Scenario

Return variation: 1.0%

Money Playbook

How every dollar flows across your accounts — working years through retirement

▸

WORKING YEARS Contribution Priority

401k Pre-Tax — Max both ($47K/yr). At your marginal rate, every $1 saves ~48¢ in taxes. Grows tax-deferred.

Roth IRA — Max both ($14K/yr via backdoor). Tax-free growth, no RMDs. Last account you'll ever touch.

Surplus → Brokerage — 80% of remaining surplus invested. Taxable but flexible — no age restrictions, LTCG rates.

Cash Reserve — Earns ~4% (money market). Covers deficits first. —

RETIREMENT Drawdown Sequence

Cash — Spend first. No tax hit, but lowest return. Buys time for other accounts to compound.

Brokerage — Long-term capital gains taxed at 0/15/20%. Tracks cost basis for tax efficiency.

401k — Taxed as ordinary income. Available at 59½. Accessible at age 60.

Roth — Last resort (tax-free, most valuable compounding). Let it grow as long as possible.

TAX OPTIMIZATION Roth Conversion Ladder

Between retirement and Social Security (ages 60–67), income drops to near-zero — the lowest tax bracket you'll ever see.

Convert $100K/yr from 401k → Roth at ~12-22% instead of paying 32%+ later when RMDs force withdrawals.

Tax on conversions paid from cash/brokerage to keep Roth balance growing tax-free.

CURRENT ACCOUNT SNAPSHOT

Cash

$978K

4% return

Brokerage

$1.2M

6.2% blended

401k

$1.5M

6.2% blended

Roth

$44K

6.2% blended

Life Stage Spending

Rent $13K/mo | Early → Elem → Mid/High → Retire

EARLY

Yr 0-4

Housing$13K

School$5K

Living$10K

Total$28K

$600K

Take-home $31K/mo

+$1K/mo

ELEMENTARY

Yr 4-10

Housing$13K

School$1.4K

Living$10K

Total$25K

$600K

Take-home $31K/mo

+$5K/mo

MID/HIGH

Yr 10-18

Housing$13K

School$1K

Living$10K

Total$24K

$600K

Take-home $31K/mo

+$7K/mo

RETIRE

Yr 20+

Housing$13K

Living$14K

Total Need$27K

SS Income $0

-$27K/mo

Customize Expenses

Category	EARLY Yr 0-4	ELEM Yr 4-10	MID/HIGH Yr 10-18	RETIRE Yr 20+
INCOME
Shawn Income	$300K	$300K	$300K	—
Afsheen Income	$300K	$300K	$300K	—
Total Income	$1,200K	$600K	$300K	—
EXPENSES
Housing	$13,000	$13,000	$13,000	$13,000
Childcare Add-ons	Nanny +$	Nanny +$	—	—
Children & Education	$7,000	$3,000	$3,000	—
Food & Dining	$3,000	$3,500	$4,000	$4,000
Shopping	$2,000	$2,000	$2,000	$1,500
Transportation	$2,000	$2,000	$2,000	$1,500
Travel	$2,000	$2,000	$2,000	$5,000
Healthcare	$1,000	$1,500	$2,000	$3,000
Other (Utils, Ins, Subs)	$2,000	$2,000	$2,000	$2,000
Total Expenses	$30,000	$27,000	$27,000	$30,000
NET MONTHLY (Surplus)	$1,000	$4,000	-$10,000	-$30,000
INCOME REQUIRED (Break-even)	$600K	$550K	$550K	N/A

How Much Do You Need to Retire? today's $ · click to expand

You'll spend $25,500/mo

$12,500 living + $12,115 housing

Social Security covers $6,500/mo

Your portfolio must provide $23,200/mo

$19,000 after-tax need + $4,200 taxes on withdrawals

To never run out, you need

$7.0M

saved by age 60 · $278K/yr draw · 4.2% rate

Cash Flow by Phase Click to collapse

Phase	Years	Take-Home	Spending	Surplus	Account Flows

Portfolio: $3.7M → peaks at 60 → $72M at 90

Spending = housing + school + living. Returns assume 7% annual growth.

Portfolio & Assumptions

Current Portfolio

Pre-tax 401k/IRA $1,457,000

Roth IRA $44,000

Brokerage (Taxable) $1,183,000

Cash & CDs $978,000

529 Plans (Avi $213K + Noah $106K) $319,000

TOTAL LIQUID ASSETS

$3,662,000

+ $319K in 529s

ASSUMPTIONS

Equity Return 6.5%

Blended: 6.2% nominal · 3.2% real

Inflation 3%

% Surplus Invested 80%

ANNUAL AUTO-INVESTED

401k (Pre-tax) $46,000

Roth IRA (After-tax) $14,000

Total $60,000/yr

East Bay Commute Reference

Master Comparison (All Modes)

Drive times: off-peak / rush hour. BART times are door-to-door including drive to station.

Area	Home Price	15-Yr Total	Schools	BART Access	SF (BART)	Burlingame	Menlo Park
Orinda	$2.2M	$1,080K	Public K-12	Orinda 5min	40-45	35 / 55	45 / 70
Moraga	$1.8M	$882K	Public K-12	Orinda 15min	55-60	40 / 65	50 / 80
Lafayette	$2.4M	$1,260K	Public K-12	Lafayette 5min	45-50	35 / 60	45 / 75
Walnut Creek	$1.6M	$780K	Public K-12	WC/Pleasant Hill 5min	50-55	40 / 65	50 / 80
Crocker Highlands	$1.8M	$1,404K	Pub K-5, Priv 6-12	Rockridge 8min	35-40	30 / 50	40 / 65
Montclair	$1.9M	$1,512K	Pub K-5, Priv 6-12	Rockridge 12min	40-45	30 / 50	40 / 65
Piedmont	$2.8M	$1,800K	Public K-12	MacArthur 7min	30-35	25 / 45	35 / 60
Rockridge	$2.2M	$1,746K	Pub K-5, Priv 6-12	Rockridge walk	30-35	25 / 45	35 / 60

Off-Peak Driving (leave 10am, return 7pm+)

Area	SF	Burlingame	Menlo Park
Orinda	40-45	35-40	45-50
Moraga	55-60	40-45	50-55
Lafayette	45-50	35-40	45-50
Walnut Creek	50-55	40-45	50-55
Crocker Highlands	35-40	30-35	40-45
Montclair	40-45	30-35	40-45
Piedmont	30-35	25-30	35-40
Rockridge	30-35	25-30	35-40

Rush Hour Driving (leave 8am, return 5-6pm)

Area	SF	Burlingame	Menlo Park
Orinda	40-45	50-60	65-75
Moraga	55-60	60-70	75-85
Lafayette	45-50	55-65	70-80
Walnut Creek	50-55	60-70	75-85
Crocker Highlands	35-40	45-55	60-70
Montclair	40-45	45-55	60-70
Piedmont	30-35	40-50	55-65
Rockridge	30-35	40-50	55-65

BART Commute (Traffic-Immune)

Same time whether 8am or 10am. BART to Burlingame = BART to Millbrae + Caltrain transfer.

Nearest BART Stations

Area	Station	Drive
Orinda	Orinda	5
Moraga	Orinda	10-15
Lafayette	Lafayette	5-10
Walnut Creek	Walnut Creek	5
Crocker	Rockridge	5-10
Montclair	Rockridge	10-15
Piedmont	MacArthur	5-10
Rockridge	Rockridge	5 walk

BART to SF (Door-to-Door)

Area	Total
Rockridge	30-35 min
Piedmont	30-35 min
Crocker	35-40 min
Orinda	40-45 min
Montclair	40-45 min
Lafayette	45-50 min
Walnut Creek	50-55 min
Moraga	55-60 min

BART → Millbrae → Caltrain

Area	Burlingame	Menlo
Rockridge	55-60	70-75
Piedmont	50-55	65-70
Crocker	55-60	70-75
Orinda	55-60	70-75
Montclair	55-60	70-75
Lafayette	60-65	75-80
Walnut Creek	65-70	80-85
Moraga	65-70	80-85

Rush Hour Penalty (vs Off-Peak)

Oakland/Piedmont areas have ~5 min less rush hour penalty than Lamorinda due to shorter distance on 680/880.

Area	Burlingame Delta	Menlo Park Delta
Orinda	+15-20 min	+20-25 min
Moraga	+20-25 min	+25-30 min
Lafayette	+20-25 min	+25-30 min
Walnut Creek	+20-25 min	+25-30 min
Crocker Highlands	+15-20 min	+20-25 min
Montclair	+15-20 min	+20-25 min
Piedmont	+15-20 min	+20-25 min
Rockridge	+15-20 min	+20-25 min

Expenses by Life Stage

Shawn (39), Afsheen (40), Avi (4), Noah (2) • All amounts monthly

Current: $43K/mo

Housing (rent)	$13,000
Children (daycare+misc)	$10,000
Food & Dining	$4,100
Travel	$5,500
Shopping	$3,400
Transportation	$2,500
Insurance/Health/Utils	$2,900
Other	$1,600
TOTAL	$43,000

Where to Cut: $43K → $32K (-$11K/mo)

Category	Current	Target	Savings	How
Travel	$5,500	$2,000	-$3,500	1-2 trips/yr vs 4-5
Shopping	$3,400	$1,500	-$1,900	Amazon/Costco discipline
Children	$10,000	$7,000	-$3,000	Fewer activities, cheaper camps
Food	$4,100	$3,000	-$1,100	Less delivery, more cooking
Transport	$2,500	$2,000	-$500	One car? Less Uber?
Housing	$13,000	$14,000	+$1,000	Buy increases slightly
Ins/Health/Utils	$2,900	$2,900	—	Fixed costs
TOTAL	$43,000	$32,000	-$11,000

Phase 1: Early

Now → Year 4

Noah in daycare

$32K

Phase 2: Elementary

Year 4 → 10

Both in school

$28K

Phase 3: Middle/High

Year 10 → 18

+Private if Oakland

$28-35K

Phase 4: College+

Year 18+

529s cover tuition

$22K

Public Schools Path (Piedmont/Lafayette)

Category	Early Yr 0-4	Elementary Yr 4-10	Mid/High Yr 10-18	College+ Yr 18+
Housing	$14,000	$14,000	$14,000	$14,000
Children & Education	$7,000	$3,000	$3,000	$0
↳ Daycare/Aftercare	$4,000	$500	$0	—
↳ Activities & Camps	$2,000	$2,000	$2,500	—
↳ School Tuition	$0	$0	$0	—
↳ College (from 529)	—	—	—	covered
Food	$3,000	$3,500	$4,000	$2,500
Travel	$2,000	$2,000	$2,000	$2,000
Everything Else	$6,000	$5,500	$5,000	$3,500
TOTAL	$32,000	$28,000	$28,000	$22,000

No private school = predictable costs throughout

Private 6-12 Path (Crocker/Oakland)

Category	Early Yr 0-4	Elementary Yr 4-10	Mid/High Yr 10-18	College+ Yr 18+
Housing	$12,000	$12,000	$12,000	$12,000
Children & Education	$7,000	$3,000	$10,000	$0
↳ Daycare/Aftercare	$4,000	$500	$0	—
↳ Activities & Camps	$2,000	$2,000	$2,500	—
↳ School Tuition	$0	$0	$7,000	—
↳ College (from 529)	—	—	—	covered
Food	$3,000	$3,500	$4,000	$2,500
Travel	$2,000	$2,000	$2,000	$2,000
Everything Else	$6,000	$5,500	$5,000	$3,500
TOTAL	$30,000	$26,000	$33,000	$20,000

$7K/mo private school = $84K/yr × ~8 years = $672K total for both kids

The Math: Public vs Private Schools

Piedmont ($2.8M home)
Housing: $14K/mo
Schools: $0
Peak: $28K/mo

Crocker ($1.8M home)
Housing: $12K/mo (-$2K)
Schools: +$7K/mo (Yr 10-18)
Peak: $33K/mo (+$5K)

Verdict
Crocker saves $2K/mo early
But costs $5K/mo more at peak
Total: ~$180K more over 15 yrs

East Bay Savings: What $2,600/mo Buys You

Choosing Orinda ($2.2M) over Piedmont ($2.8M) saves ~$3,500/month in housing costs. Here's what that funds:

🍽️

$650/mo

Dining Out

13 dinners at nice restaurants
or 26 casual family meals

✈️

$650/mo

Extra Travel

1 extra family trip/year
or 2 weekend getaways

👶

$650/mo

Kids Activities

Sports, music, camps
Piano + soccer + swim

📈

$650/mo

Extra Investing

$7,800/year invested
→ $780K in 30 years

Your Current Top Vendors (Monthly Avg)

Geokids

$8,243

United

$1,899

Amazon

$1,520

BMW FS

$820

Ettan

$757

Life Ins

$1,002

Top Picks Summary

🏆 Best Value: Orinda

$2.2M • Public K-12
BART: 5 min to station
SF: 40-45 min • Peninsula: 45-70 min
Saves $3.5K/mo vs Piedmont

🎯 Best Schools: Piedmont

$2.8M • Top Public K-12
BART: 7 min to MacArthur
SF: 30-35 min • Peninsula: 35-60 min
Closest + best commute

💰 Budget Pick: Walnut Creek

$1.6M • Good Public K-12
BART: 5 min to station
SF: 50-55 min • Peninsula: 50-80 min
Saves $5.5K/mo vs Piedmont

Budget Checker

Track actual spending by vendor against your targets. Double-click Amazon for detailed breakdown.

Total Spending (Jan '26)

vs Budget Target

Top Vendor

Transaction Count

Monthly Budget Targets

Food & Dining

$2,600

$0 spent

Shopping

$2,000

$0 spent

Travel

$2,500

$0 spent

Car & Transport

$1,900

$0 spent

Entertainment

$460

$0 spent

Subscriptions

$400

$0 spent

Category: Hide internal transfers

Spending by Vendor (January 2026)

Click any vendor to see transactions. Double-click Amazon for category breakdown.

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