The four advisor surfaces
Forecast comparison
Run the same client plan through six publicly-published Capital Market Expectations — J.P. Morgan, BlackRock, Vanguard, GMO, Schwab, Invesco — and produce a side-by-side white-label PDF. The kind of analysis that defends a recommendation in a fiduciary review.
Open the comparison tool →Scenario templates
Five pre-built advisor archetypes — FIRE bridge to 65, Roth conversion ladder ages 55–65, ACA cliff optimization, Roth-glide tax-torpedo plan, and survivorship / widowhood projection. Loads as a starting point for the comparison tool; saves 20–40 minutes per client on data entry.
Browse the templates →Saved plan workspace
A lightweight in-browser plan manager. Save plans by client name, recall later, export to CSV for record-keeping, import to move between machines. No accounts, no servers store your data — your saved plans live in your browser's localStorage.
Open the plan manager →Methodology supplement
Auto-generated four-page documentation packet attached to every advisor PDF: simulation parameters, sampling regime, volatility and correlation matrices, citation list for each forecast source, and a fiduciary-process summary. The kind of attachment that closes a compliance review without follow-up questions.
Bundled with every PDF →Evidence: how the engine is verified
You bring the tax judgment; this is the software underneath it. Every claim below is documented on a public page you can read before you buy — no account, no call.
- Browser ↔ backend parity. The in-browser tax engine and the C simulation backend are checked against a shared reference set of 7,934 tax cases — federal ordinary and conversion income, long-term capital gains, Social Security taxation, IRMAA tiers, ACA subsidies, RMD factors and start ages, and all-jurisdiction state brackets — so a figure shown in the browser is the same figure the engine computes. Assumptions and sources are on the public methodology page.
- Recommended-plan optimizer, checked several ways. The withdrawal-mix search is a brute-force grid search that enumerates the discretized space and returns the global minimum-tax mix — not a gradient method that can stall on the non-smooth, cliff-laden tax objective. It runs under constraint invariants: the spending need is met exactly and the RMD floor is respected. Recommended glide paths are then independently re-scored with paired common random numbers and a standard error, so a shape is reported as better only when the difference exceeds sampling noise. Results are deterministic and reproducible from run to run.
- Frozen-engine discipline. The same engine powers the public calculator, the downloadable datasets, and the research studies. The canonical datasets are generated directly from that frozen engine rather than re-entered by hand, and studies are corrected only through a dated changelog on the page itself — never silently rewritten.
- Per-lot HIFO tax accounting. Taxable-account sales draw from specific cost-basis lots, highest-in-first-out, and the tax caused by a Roth conversion is funded from real dollars via a HIFO sale — its true marginal after-tax drag, not a cost-free deduction. Documented under tax-lot accounting.
- Source-typed state treatment. Retirement income is typed by source — pension, Social Security, Roth, ordinary — and taxed under each of the 51 U.S. jurisdictions' own rules for that source, including the eight states that tax some Social Security and the states with qualified-retirement-income exemptions. The full per-state policy set is published as an open dataset.
Research library
The engine's public track record: readable studies with open methodology and downloadable data, plus the canonical datasets underneath them. Every figure on these pages is reproducible from the released data.
Studies
Canonical datasets (CSV + JSON, CC-BY-4.0)
What you hand the client
Attribution-linked embeds
Drop live calculator widgets — Monte Carlo, RMD, Roth conversion, capital gains, ACA cliff, Social Security — straight into client materials or your own site. Each carries an attribution link back to the source methodology. Free to use; commercial terms on the embed page.
See the embeds & licensing →White-label client report (PDF)
Every PRO run exports a brandable client report with the four-page methodology supplement attached — simulation parameters, sampling regime, and a citation list for each forecast source. Open the actual six-page sample, no signup.
Open the sample report →Recommended-plan tools
Glide-path, withdrawal-order, and ACA-bridge tools produce a recommended year-by-year plan you can review and adjust with the client — the account-mix search returns the minimum-tax recommendation each year, never a black-box result. You keep the advice; the tool shows the arithmetic.
Open the comparison tool →What advisors should know about the engine
QuantCalc's simulation engine is the same one we use for the public app and the open-data research piece ("Does the 4% rule survive forward-looking forecasts?"). The methodology is documented on a public page; the data behind the research piece is released under CC0 for reproducibility.
- Sampling. Pseudo-random Mersenne Twister by default for tail-sensitive outputs; Sobol QMC available for fast convergence on means.
- Returns. Six publicly-published Capital Market Expectations sourced from each firm's public publication or widely-circulated financial press. We do not source from paywalled portals.
- Volatility / correlations. J.P. Morgan published values used as the default normalizer (most complete public dataset); historical 1926–2025 and equilibrium models also available.
- Inflation. Deterministic 2.5% CPI default; AR(1), regime-switching, and bootstrap models also exposed.
- Tax modeling. 51-jurisdiction state income tax, IRMAA two-factor scaling, ACA cliff, Roth conversion optimizer.
Volatility/correlation/inflation choices are documented in the methodology supplement attached to every advisor PDF.
See the real outputs before you buy
Download the actual deliverables a PRO subscription produces — no signup, no email.
📄 Sample client report (PDF, 6 pages) 📑 Methodology supplement (PDF, 4 pages)
Questions about the engine, methodology, or licensing? Email [email protected].