Bond Planner

Your Numbers

Monthly Net Draw ($)

Net portfolio draw (expenses − SS − dividends). Used to compute months of coverage

Bond Target (years of net draw)

Canonical spec: 1yr cash (SoFi+SWVXX) + 2yr bonds = 3yr net-draw buffer, matching the Monte Carlo 3yr bucket

Your Tax Bracket (%)

Tier 1 — Immediate Cash

SoFi HYSA

6 months · Instant access

Current Balance ($) Current APY (%)

Target—

Coverage—

Annual Yield—

Status—

Tier 2 — Near Cash

SWVXX

6 months · T+1 settlement

Current Balance ($) Current 7-Day Yield (%)

Target—

Coverage—

Annual Yield—

Status—

Tier 3 — Bridge

Bonds

2 years · Muni / CD / T-Bill

Current Balance ($) Blended Yield (%)

Target—

Coverage—

Annual Yield—

Status—

Bond Holdings Detail

Ticker / Name	Face Value	Maturity	Coupon	Annual Income	TEY @ Bracket	Notes
Add holdings below

Ticker / Name

Face Value ($)

Maturity Date

Coupon / Yield (%)

Type

Tax-Equivalent Yield Calculator

Muni Bond Coupon Rate (%) Marginal Federal Tax Rate (%) State Tax Rate (% — munis often state-exempt) In-State Muni? (fully exempt fed + state)

Muni Coupon—

Tax-Equivalent Yield—

CD Rate Needed to Match—

Verdict vs SWVXX—

ACA MAGI Impact by Income Type

Income Type	In MAGI?	Notes
CD / T-Bill Interest	YES	Fully taxable
Muni Bond Interest	YES (add-back)	IRC §36B adds back even though income-tax exempt
I-Bond (unredeemed)	NO	Deferred — best ACA-friendly bond
I-Bond (redeemed)	YES	All accrued interest hits MAGI in redemption year
SWVXX / Money Market	YES	Ordinary income
SoFi HYSA Interest	YES	Ordinary income
Roth Distributions	NO	Best ACA source — no MAGI impact
Qualified Dividends	YES	LTCG rates but still in MAGI

Your Numbers

Action Plan — Gaps to Fill

Bond Holdings Detail

Tax-Equivalent Yield Calculator

ACA MAGI Impact by Income Type