| Projection | 2026 | 2027 | 2028 | 2029 | 2030 |
|---|---|---|---|---|---|
| Gross income | $1.06M | $1.10M | $1.15M | $1.19M | $1.24M |
| Total tax ยท fed + CA + PTET | ($370K) | ($385K) | ($400K) | ($416K) | ($434K) |
| After-tax income | $690K | $715K | $745K | $774K | $806K |
| Living expenses | ($360K) | ($371K) | ($382K) | ($393K) | ($405K) |
| Annual surplus | $330K | $344K | $363K | $381K | $401K |
| Retirement & 529 funding | $119K | $119K | $119K | $119K | $119K |
| Taxable brokerage | $211K | $225K | $244K | $262K | $282K |
| Cumulative liquid portfolio | $5.09M | $5.74M | $6.45M | $7.22M | $8.05M |