PLANNING TOOLS

Annual decisions. A clearer picture.

GapYears Lab is a broader early-retirement income-planning platform. Its first application is the GapYears Income Planner.

Supported planning year: 2026. The Income Planner currently models 2026 federal income tax and ACA rules, using 2025 poverty guidelines for 2026 Marketplace coverage.

AVAILABLE NOW

GapYears Income Planner

Explore the relationship between annual income decisions, tax consequences, healthcare costs, and overall estimated financial outcomes.

Launch Income Planner

Learn about the Income Planner

What the current application covers

  • Income from different sources. Bring annual income choices into one scenario. The current planner is primarily relevant to households whose income decisions interact with ACA Marketplace coverage before Medicare.
  • Estimated federal income taxes. Explore estimated federal income taxes only. State income taxes and payroll/self-employment taxes are not currently modeled.
  • ACA healthcare costs. Explore health insurance premiums and premium tax credits alongside income.
  • Roth conversion opportunities. Explore how taxable conversions interact with taxes and healthcare costs.
  • Investment gains and losses. Explore standard capital gains and allowable losses in annual income and ACA MAGI.
  • Scenario comparison. Compare overall estimated annual financial outcomes and tradeoffs.

A focused starting point

The Income Planner currently focuses on annual income planning. It does not provide comprehensive multi-year retirement projections, portfolio longevity calculations, or Social Security optimization. It also does not provide state/local income tax calculations, payroll/self-employment tax calculations, complete tax-return preparation, or full health insurance eligibility determinations.

Room to grow

GapYears Lab can expand beyond this first application. Additional tools and broader planning capabilities are possibilities, not features available today.

The Income Planner is available at app.gapyearslab.com as a separate application. Launch it to explore annual scenarios, or visit the product overview for features and an illustrative example.