Is this a new separate product?

No. It is a release guide for workflows already inside ArthaPilot: household setup, tax-aware backtesting, Roth conversions, decumulation, tax opportunities, and live strategy checks.

Do I need a complete household setup to try it?

You can explore some tools with examples. The household workflows become useful once you enter accurate accounts, taxable lots, and tax assumptions.

ArthaPilot

v3.0-v3.3 workflow release

ArthaPilot v3.3 household tax modeling

Explore the household, tax, retirement, and strategy tools added in v3.0-v3.3.

Model accounts, tax lots, withdrawals, and Roth conversions together. Start with a sample household.

Open household See plans

Start with one question

Explore the results

Live strategy check

What would a saved strategy imply for this household portfolio today?

Output previewSignal state | data date | transition eligibility | pending trades | account drift

Open household

Tax-aware household run

Does the pre-tax result still hold once the run includes account type, lots, and realized-tax effects?

Output previewPre-tax result | after-tax value | annual taxes | realized gains | routing notes

Open Household Rebalancing

Retirement-tax schedule

How do Roth conversions and withdrawals change when tax thresholds stay visible?

Output previewConversion schedule | bracket usage | IRMAA/ACA markers | lifetime tax | terminal wealth

Open Roth example

Test your scenario

Have a real household or retirement-tax case to test?

Use the 7-day Pro trial to test an anonymized household or retirement scenario, then tell us where the results fall short. Email with an anonymized outline.

Send the rough question, not personal account credentials.

Keep dollar amounts anonymized if needed.

ArthaPilot remains modeling software, not advice.

What changed in v3.0

Household Setup for members, filing status, accounts, holdings, taxable lots, and tax assumptions.
Household Rebalancing runs that keep account treatment, wash-sale context, drift, tax-loss harvesting settings, and realized-tax effects attached to the result.

What changed in v3.1

Roth Conversion Planner with baseline/proposed schedules and bracket-sensitive tax review.
Tax-aware Monte Carlo for simulated retirement paths that pass through household tax context.
Match Factor Exposure and walk-forward validation for replacement baskets and strategy holdout checks.

What changed in v3.3

Decumulation Studio for comparing Roth and withdrawal schedules under tax and terminal-wealth constraints.
Household Tax Opportunities for potential losses and gains to review, embedded gains, tax-bracket room, distance to the NIIT threshold, and wash-sale warnings.
Live strategy checks in Household connect saved strategies to household accounts and draft trades for review.

Interpretation boundary

ArthaPilot is modeling software, not advice, account aggregation, tax filing, or trade execution. The workflow makes assumptions and tradeoffs inspectable before a user discusses decisions with qualified professionals.

FAQ

Is this a new separate product?: No. It is a release guide for workflows already inside ArthaPilot: household setup, tax-aware backtesting, Roth conversions, decumulation, tax opportunities, and live strategy checks.
Do I need a complete household setup to try it?: You can explore some tools with examples. The household workflows become useful once you enter accurate accounts, taxable lots, and tax assumptions.

Household Rebalancing

Run household-aware portfolio scenarios with account and tax context attached.

Tax-aware Monte Carlo

Open a retirement example that applies household taxes to simulated paths.

Decumulation Studio

Compare Roth and withdrawal schedules under tax and retirement constraints.

Household Tax Opportunities

Review lot-level gain, loss, bracket-room, NIIT, and wash-sale diagnostics.