ApexLogics · Category Guide · personal_finance_life_events

Money and Life Events

Twenty-five specialized calculators for the money decisions that arrive with major life events, each running entirely in your browser with zero PII.

25
Tools
25
Policy Mandate Export
0
Workflows
0
API Calls

Use this when…

Common decision scenarios covered by this category.

💰
Filing crypto taxes
Size a harvestable loss for the year and see where staking income lands before filing.
🧭
Drawing down retirement accounts
Compute the required distribution, then check conversion room against the next IRMAA cliff.
🏠
Buying or holding a home
Run the lender ratios on a purchase and see the full multi-year cost of staying in a home.
🤝
Dividing assets in a divorce
Build the marital balance sheet and weigh keeping the house against selling it.
🏦
Selling a business
Normalize owner pay and value the company before modeling the tax on a sale.
📜
Planning an estate
Size the probate pool and model estate tax after deductions and exemptions.
🌿
Funding long-term care
Compare care settings and see how long private pay lasts before Medicaid eligibility.

Tools in this category

All tools run entirely in your browser. Zero PII. Policy Mandate (JSON) export on every tool.

Digital Assets 2 tools
#146 Policy Mandate ↔
Crypto Tax-Loss Harvesting Calculator
Work out how much of your unrealized crypto loss you can use this year.
cryptocapital gainswash sale
#147 Policy Mandate ↔
Staking & Airdrop Income Tax Impact Modeler
Work out the ordinary income, self-employment tax, and NIIT exposure from staking rewards and airdrops, plus the deferred gain sitting in the basis they create.
stakingairdropself-employment tax
Retirement 5 tools
#148 Policy Mandate ↔
RMD & Withdrawal Sequencer
Compute your required minimum distribution across all tax-deferred accounts and sequence the rest of your spending need across taxable, tax-deferred, and Roth money.
RMDSECURE 2.0withdrawal sequencing
#149 Policy Mandate ↔
Roth Conversion Window Calculator
Find how much bracket-fill room and IRMAA room you have this year for a Roth conversion, and which one binds.
Roth conversionbracket fillIRMAA cliff
#150 Policy Mandate ↔
IRMAA Bracket Calculator
Find your IRMAA tier, this year's Medicare surcharge, and exactly how far you are from the next cliff.
IRMAAMedicare Part BMAGI
#151 Policy Mandate ↔
Medicare Plan Comparison
Price Original Medicare plus Medigap plus Part D against Medicare Advantage across a full year, at a typical year and a bad year, so you can see the shape of the risk.
MedicareMedigapMedicare Advantage
#152 Policy Mandate ↔
Medicare Out-of-Pocket Exposure Modeler
Walk a year of Medicare utilization through the 2026 cost-sharing rules, benefit period by benefit period, and see a routine year, a rough year, and a worst-case year side by side.
out of pocketbenefit periodPart D cap
Real Estate 4 tools
#153 Policy Mandate ↔
Total Cost of Homeownership
See what the years you plan to stay in a home really cost, after tax, insurance, maintenance, opportunity cost, principal paydown, and appreciation.
total cost of ownershipproperty taxrent vs buy
#154 Policy Mandate ↔
Home Affordability (28/36)
Run the front-end and back-end ratios lenders use to size a mortgage, take the smaller answer, and work backward to the purchase price it supports.
28/36 ruledebt-to-incomefront-end ratio
#155 Policy Mandate ↔
Rental Property Deal Screener
Compute NOI, cap rate, DSCR, cash on cash return, break-even occupancy, and the gross rent multiplier from one set of inputs, and screen a listing against common investment thresholds.
NOIcap rateDSCR
#156 Policy Mandate ↔
Rental Depreciation & Tax Shield Modeler
Split a rental's basis into land and building, run the 27.5-year residential schedule, optionally layer in cost segregation with bonus depreciation, test against the passive loss rules, and price the recapture waiting at sale.
depreciationpassive lossrecapture
Small Business 3 tools
#157 Policy Mandate ↔
Business Valuation Estimator
Three-method small business valuation: seller discretionary earnings multiple, EBITDA multiple, and asset based floor, blended with your own weights.
SDE multipleEBITDA multipleexit planning
#158 Policy Mandate ↔
Owner Salary Normalization
Separates what a replacement manager would cost from what a small business owner actually takes, producing comparable seller discretionary earnings and normalized EBITDA.
owner compensationadd-backsreasonable compensation
#159 Policy Mandate ↔
Business Sale Tax Impact Modeler
Models federal tax on a business sale across asset allocation, depreciation recapture, QSBS section 1202 treatment, and installment timing.
asset saleQSBSinstallment sale
Family Law 4 tools
#160 Policy Mandate ↔
Marital Asset Division
Builds a marital balance sheet and models an illustrative split under a community property or equitable distribution regime, with separate property tracked apart and illiquid or tax-deferred assets shown at an after-tax equivalent.
property divisioncommunity propertyequitable distribution
#161 Policy Mandate ↔
Spousal Support Illustrative Range
Runs your inputs through several commonly cited spousal support guideline conventions and shows the spread between them, plus a duration range based on marriage length.
spousal supportalimonyillustrative range
#162 Policy Mandate ↔
QDRO Pension Split Modeler
Models a defined benefit pension split using the coverture fraction, or a defined contribution account split using a segregated balance, and shows the survivor benefit cost that is easy to overlook.
QDROcoverture fractionsurvivor benefit
#179 Policy Mandate ↔
Divorce House: Keep vs. Sell
Compare keeping the marital home versus selling in a divorce: refinance payment at a single income plus the equity buyout, upkeep and taxes, against net sale proceeds after friction costs invested at your return with a rent reset.
marital homeequity buyoutrent reset
Estate 3 tools
#163 Policy Mandate ↔
Net Estate Value and Probate Exposure
Sizes the probate pool and the non-probate pool of an estate separately, and puts an approximate range, never a point estimate, on what probate administration would cost.
probatenon-probate transfersbeneficiary designations
#164 Policy Mandate ↔
Estate Tax Liability
Works out the taxable estate after deductions, applies the federal exemption including any deceased spousal unused amount, and adds a state-level estate or inheritance tax where one applies.
federal exemptionportabilityDSUE
#165 Policy Mandate ↔
Annual Gift Exclusion Strategy
Models a multi-year gifting plan across any number of recipients, including gift splitting between spouses and the five-year education account election, and shows what portion spills over into the lifetime exemption.
gift splitting529 superfundinglifetime exemption
Long-Term Care 2 tools
#166 Policy Mandate ↔
Long-Term Care Cost Estimator
Compares what care actually costs across four settings: paid help at home, adult day care, assisted living, and a nursing home, with the crossover point where in-home care stops being the cheaper option.
home health aideassisted livingnursing home
#167 Policy Mandate ↔
Medicaid Spend-Down Modeler
Models the gap between current countable assets and the Medicaid asset limit for long-term care, including the community spouse resource allowance, and shows how long private pay would last before eligibility.
Medicaidspend-downCSRA
Personal Finance Life Events 1 tool
#178 Policy Mandate ↔
Growing-Family Marginal Cost
Stack the true marginal cost of a growing family: USDA scale factors for housing, transport, food, and healthcare, near-full-price childcare, flat FSA and child-tax-credit caps, and the compound cost of paused savings.
marginal costchildcareUSDA scale factors
Career Workforce 1 tool
#180 Policy Mandate ↔
Automation Payback
Rank automation candidates by payback: hours saved per week times your loaded hourly rate plus avoided error cost, against one-time build cost, subscription, and a 20% maintenance haircut.
paybackloaded ratebreak even

Multi-tool workflows

Workflows that chain tools from this category with others, with each step pre-filling the next.

No multi-tool workflows chain these tools yet. Each one runs standalone.

Institutional view on AINumbers

AINumbers.co is the Post Oak Labs sister suite covering markets and institutions. Each line below pairs ApexLogics tools with their closest institutional counterpart there.

⛓️
Crypto-Asset Tax Reporting (CARF / DAC8 / 1099-DA)
The AINumbers reporting chain for crypto assets; pairs with #146 Crypto Tax-Loss Harvesting Calculator and #147 Staking & Airdrop Income Tax Impact Modeler.
⛓️
Retirement Decumulation Decisions
The AINumbers chain on retirement drawdown; pairs with the retirement and Medicare tools #148 through #152.
🧮
ART-335 DTI Ratio Calculator
The AINumbers debt-to-income ratio calculator; pairs with #154 Home Affordability (28/36).
🧮
T438 DSCR & Interest Coverage Ratio Calculator
The AINumbers coverage-ratio calculator; pairs with #155 Rental Property Deal Screener.
🧮
LTC Funding Comparator
The AINumbers long-term care funding calculator; pairs with #166 Long-Term Care Cost Estimator.
🧮
Education Funding Gap Calculator
The AINumbers education funding calculator; pairs with #24 Education Savings Projector in the Student Finance & Debt guide.

Policy Mandate & MCP integration

For developers and AI agents.

Every tool in this category emits a structured Policy Mandate JSON: a deterministic, schema-validated payload built for agent handoff and advisor review. Each tool ships with a manifest.json for MCP agent discovery.

crypto_tax_loss_harvesting_recordstaking_airdrop_income_recordrmd_withdrawal_sequence_recordroth_conversion_window_recordirmaa_bracket_recordmedicare_plan_comparison_recordmedicare_oop_exposure_recordhomeownership_tco_recordhome_affordability_recordrental_deal_screen_recordrental_depreciation_shield_recordbusiness_valuation_recordowner_salary_normalization_recordbusiness_sale_tax_recordmarital_asset_division_recordspousal_support_range_recordqdro_pension_split_recordnet_estate_probate_recordestate_tax_liability_recordannual_gift_exclusion_recordltc_cost_estimate_recordmedicaid_spend_down_recordfamily_marginal_cost_recordhouse_keep_sell_recordautomation_payback_record
suite-registry.json ↗ .well-known/mcp.json ↗ llms.txt ↗