Understanding your export

What's in the workbook

There's no longer a "Profile Inputs" sheet inside the workbook itself. Instead, your (and your spouse's) raw inputs are available as their own standalone, directly re-importable files — see "Your inputs, as separate files" below.

• Average / Conservative / Aggressive Projections: the year-by-year projection table for each of the three scenarios — identical column layout across all three, so you can compare the same row across sheets.
• Retirement Timeline: the key milestones in order — when income stops, Social Security starts, Medicare eligibility begins, RMDs begin, and similar — one row per milestone, per person.
• Tax Strategy: the filing-status summary, "ways to reduce tax in a given year" list, and HSA withdrawal strategy (one section per spouse if married).
• Conversion Strategy: the 401(k)/IRA → Roth IRA conversion plan, year by year — a single combined household plan if you're married (a joint return shares one tax-bracket ladder), or your own plan alone otherwise.
• RMD Comparison: two full year-by-year tracks side by side — "following the plan" vs. "no conversions" — plus the total household tax difference between them.
• AI Advisory Report: the same plain-English write-up you see on the results page, saved for reference.

Your inputs, as separate files

Alongside the workbook, you can download your raw inputs as their own files — each one is directly re-importable, not just a read-only summary.

• Primary / spouse input CSV: one CSV per person (downloaded separately) with every value you entered for that person, in the same labeled format the CSV upload expects — so you can hand it to someone else, keep a backup, or re-import it later with no editing needed.
• SSA earnings-history XML: if you uploaded your (or your spouse's) real SSA earnings statement, you can re-download that same earnings history as its own XML file. The input CSV doesn't inline the year-by-year earnings data itself — it just points at this file by name, so re-importing both together restores your exact real earnings history rather than an estimate.

Income columns

• Earned Income: your and your spouse's combined wages/self-employment income for the year (per-person figures are also broken out separately, purely for double-checking — they always add up to this combined figure).
• Rental Income / Taxable Rental Income: your total rental income, and the portion of it actually subject to tax based on the taxable-rental-income percentage you set.
• Social Security Income: your and your spouse's benefits, shown separately and combined, plus how much of that combined benefit is actually taxable.
• One-Time Income: any one-off amount (an inheritance, a bonus, an asset sale) you scheduled for that specific year — separate from your regular income, and only appears in the year you listed it.
• Tax-Exempt / Taxable Interest: interest income split into the portion that's tax-exempt (and, of that, the portion still taxable by California) and the portion that's fully taxable.
• QD and LTCG / Short-Term Investment Income: qualified dividends and long-term capital gains (taxed at the preferential rate), separate from short-term gains (taxed as ordinary income).
• Insurance Income: income from sources like 1099-R distributions and insurance-policy income streams.
• Total Income: everything above, combined — the top-line figure your expenses are measured against.

Deduction and tax columns

• Federal / State Taxable Income: your taxable income computed separately under federal and California rules — they can differ, since the two don't always agree on what's deductible.
• Federal / State Standard and Itemized Deductions: both are calculated every year; whichever is larger is the one actually used (flagged in its own "Took Standard Deduction" column), separately for federal and state — a household can itemize on one and take the standard deduction on the other.
• Mortgage Interest / Medical Expense Excess / SALT / Property Tax: the individual pieces that make up your itemized deduction, shown separately so you can see what's driving it. Property Tax is your entered figure if you provided one, otherwise RetireWell's own estimate — it grows by the lesser of 2% or inflation each year, matching California's Prop 13 rule.
• Student Loan Interest Deduction / HSA Employee Deduction / Self-Employed Retirement Plan Deduction: the above-the-line deductions that reduce your taxable income before the standard/itemized choice is even applied.
• Federal Tax / State Tax / QD-LTCG Tax / Additional Medicare Tax / NIIT: the individual tax components; they sum to the year's total Tax Owed column. The federal 3.8% Net Investment Income Tax (NIIT) has its own clearly labeled column now — it's a federal tax, not a California-specific one, despite living alongside the other tax columns.
• Self-Employment Tax: Schedule SE tax on self-employment income, shown in its own column since it's a payroll-style tax added to your total expenses rather than part of the income-tax total.
• Marginal Tax Rate: the tax rate that would apply to your next dollar of income that year — useful for deciding whether a Roth conversion or extra withdrawal makes sense.
• CA Exemption Credits / CA BHST Surcharge: California-specific credits subtracted directly from your CA tax, and the 1% Behavioral Health Services Tax surcharge on CA taxable income above $1,000,000.

Expense and cash-flow columns

• Mortgage Payments / Insurance Premiums / Medical Premiums & Deductibles / Other Expenses: the components of your total household spending for the year.
• One-Time Expenses: any major cost you scheduled for a specific year, added in full only in that year.
• Total Expenses: everything above, combined, including that year's self-employment tax.
• Drawdown from Savings: total expenses minus total income — a positive number means you drew down savings that year; a negative number means you added to savings.

Savings and net worth columns

• Non-Retirement Savings / Investment Income: your pooled non-retirement-tagged savings balance and how much it grew that year.
• Total Retirement Savings: your combined tax-deferred, Roth, and HSA retirement balances added together, alongside the three individual balances tracked separately.
• Total Savings: non-retirement and retirement savings added together — everything you actually have saved, all in.
• 401(k) and HSA contribution columns: your and your spouse's traditional, Roth, and after-tax 401(k) contributions, employer match, and HSA contributions, broken out individually so you can see exactly where retirement dollars are landing each year.
• Real Estate Value / Mortgage Balance / Total Debts: your property value and remaining loan balances for the year.
• Total Assets / Net Worth: everything you own minus everything you owe — the headline number the chart on the results page tracks.