Introduction

FinZot models a complete, multi-decade financial plan year by year: income, taxes, expenses, debt, account growth, and withdrawals. This reference documents how each part of that model works. It gives the exact rules, the order of operations, and the assumptions behind them.

FinZot models a US household. Federal and state income tax, Social Security, Medicare, and US retirement account rules are built in. There is no support for other countries or currencies.

It is a behavior reference, not a tutorial.