Family & Household
Model your full family timeline — marriage, children, and life expectancy.
- ✓ Marital Status Planning
- ✓ Child & Dependent Modeling
- ✓ Full Lifetime Planning
Visualize Yearly Cash Flow
Track income, expenses, taxes, investment purchases etc.
What if you retired into a financial crisis?
Visualize how your plan weathers historical bad markers.
Use Real Index Fund Data
Define investment assets using real index funds such as VTSAX, VBTLX, and VTIAX.
Know Your Chance of Success
Run hundreds of Monte Carlo simulations, each with full tax calculations, to see your plan's probability of success.
What FinZot Covers
Family & Household
Model your full family timeline — marriage, children, and life expectancy.
- ✓ Marital Status Planning
- ✓ Child & Dependent Modeling
- ✓ Full Lifetime Planning
Income & Cash Flow
Track every income source — salary, side income, pensions, Social Security.
- ✓ Flexible Sizing Engine
- ✓ Pension & Defined Benefits
- ✓ Social Security Timing
- ✓ Survivor & Spousal Benefits
- ✓ Benefit Reduction Scenarios
Retirement & Savings
Optimize 401(k)s, IRAs, HSAs, and 529s with detailed contribution modeling.
- ✓ Multi-Tier Employer Match
- ✓ Smart Contribution Sizing
- ✓ Advanced 401(k) Strategies
- ✓ Roth Conversions
- ✓ HSA & 529 Plans
- ✓ Deferred Compensation
- ✓ Solo 401(k)
- ✓ Required Minimum Distributions
Investment & Withdrawal Strategy
Detailed allocations, strategic withdrawals, and exact per-transaction tax impact.
- ✓ Per-Account Asset Allocation
- ✓ Strategic Withdrawal Order
- ✓ Scheduled Withdrawals
- ✓ SEPP / 72(t) Early Withdrawals
- ✓ Rule of 55
- ✓ Tax-Lot Level Tracking
- ✓ Configurable Sell Strategies
- ✓ Dynamic Allocation Updates
- ✓ HSA 'Keep Receipt' Strategy
Real Estate
Model primary homes and rentals — taxes, depreciation, and sales.
- ✓ Primary & Rental Properties
- ✓ Property Tax Modeling
- ✓ Depreciation & Recapture
- ✓ Property Lifecycle
Debt & Liabilities
Track every liability and model custom payoff strategies.
- ✓ Amortizing & I.O. Loans
- ✓ Detailed Loan Terms
- ✓ Extra Debt Payments
- ✓ Adjustable-Rate Mortgages
Tax Strategy
A high-fidelity federal & state engine — deductions, gains, IRMAA, and more.
- ✓ Federal & State Taxes
- ✓ State Residency & Adjustments
- ✓ FICA & Self-Employment Tax
- ✓ Net Investment Income Tax (NIIT)
- ✓ Itemized Deductions
- ✓ Medicare IRMAA
- ✓ Same-Year Tax Accuracy
- ✓ Capital Loss Carryforward
- ✓ Step-Up in Basis
- ✓ Inherited Account Rules
- ✓ Alternative Minimum Tax (AMT)
- ✓ QBI Deduction (§199A)
- ✓ Qualified Charitable Distributions
Dynamic Modeling
A spreadsheet-like formula engine that makes your plan react to life.
- ✓ Dynamic Milestones
- ✓ Custom Formula Engine
- ✓ Advanced Temporal Logic
- ✓ Event-Driven Timing
- ✓ Dynamic Spending & Guardrails
Scenarios & Stress Testing
Test resilience against history and compare what-if futures side-by-side.
- ✓ Chance of Success Analysis
- ✓ Historical Market Testing
- ✓ Multi-Scenario Comparison
- ✓ Full Version History