ThresholdWise connects brokerage, bank, tax, and receipt-reward accounts to model annual MAGI, ACA subsidy eligibility, capital gains brackets, Roth conversion room, and taxable micro-income. It categorizes receipt rewards as rebates versus reportable income, forecasts year-end thresholds, and suggests safe withdrawal, conversion, gain-harvesting, or spending actions before users accidentally cross cliffs.

More people are retiring before Medicare age while relying on ACA subsidies, taxable brokerage accounts, and app-based cashback to stretch budgets. Tax cliffs and fragmented financial apps make precise household income planning increasingly difficult.