A web-based computational engine that models multi-year tax scenarios, automatically calculating optimal timing and amounts for Roth conversions, capital gains harvesting, and retirement withdrawals while dynamically accounting for ACA subsidy thresholds, kiddie tax rules, and bracket management. Users input their financial data and test strategies visually, receiving actionable recommendations with projected lifetime tax savings.

FIRE movement growth has created millions of DIY investors needing sophisticated planning previously only available to the wealthy. The 2025 TCJA expiration and potential ACA subsidy changes create urgent need for proactive multi-year strategies, while increasing tax complexity makes manual optimization nearly impossible.