Four steps of the Inputs stepper - Income, Expenses, Real Estate, and Tax Strategy - hold base spending plus every recurring or one-time income and expense Adjustment. Together these define the cash flowing into and out of the portfolio for every simulated year.

Two entries in the Tax Strategy picker are the exception: Mega Backdoor Roth and Backdoor Roth IRA do not create an Adjustment at all. Both maneuvers are saved as Cash Flow Priorities, so picking one opens that form pre-filled and the goal appears in both places. See Backdoor and mega backdoor Roth.

The timeline model

Each Adjustment is a timeline-bound event: it has a start, an end, and a repeat value (one-time, yearly, or every N years). Inflation handling, taxability, and account routing are all set per-adjustment, which means a single line item like "healthcare premium" can be modeled with its own inflation rule independent of base spending.

The every N years mode (turn on "Occurs at regular intervals" inside the Repeat section) covers lumpy real-life events that yearly recurrence can't capture cleanly — a car replacement every 8 years, a roof at year 25, an HVAC at 15. The expense fires in the Start Year and again every N years through the End Year, inheriting the same inflation rule as a normal recurring Adjustment.

The End Year picker also offers an ∞ End of Plan quick-select for lifelong items (Custom Income/Expense, Healthcare, Pension, Social Security). It resolves to the last simulated year — the same Final Year your Years card shows — the moment you pick it.

Core adjustment fields

• Name, Person, Amount
• Repeat. One-time, yearly, or every N years
• Start / End timing. Calendar year, age, or retirement-relative
• Inflation Type. CPI, Flat Rate, or Not Inflation-Adjusted
• Treat as post-tax. Already-taxed money. On an income row it pays that year's expenses first and only the surplus is invested (read the trade-off)
• Specific Account toggle. Deposit to or withdraw from a chosen account

Where to go next

• Income types. Employment, pension, Social Security, other
• Expense types. Discrete, healthcare, education
• Real estate & mortgage
• Roth conversions
• FAFSA optimizer