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Simulation Simulating So-So

Structure • Tech • Economics • Market

Free Engineering Tools

BarIO

Multi-span indeterminate beam solver — shear, moment, deflection.

3dIO

6-DOF 3D frames and space trusses with loads and deflected shape.

BoltIO

3D bolt pattern solver — Huth shear + shank axial, 6-DOF reactions.

BuckIO

Column, plate, flange, web, and inter-rivet buckling checks.

JointIO

Huth fastener row — stacks, lap joints, butt splices, bypass & bearing.

LamIO

Classical Laminate Theory — ABD matrices, ply strains, sandwich panels.

PropIO

Cross-section properties — area, centroid, I, J, warping, biaxial stress.

About

What each tool does and how to get in touch.

Also on NguyenIO: GRIFT, PumpIO, CheerIO, The Man Cave, and Privacy.

BailOut

Roth vs Traditional · peer savings (Fed SCF) · tax-aware projections

Educational only · Not financial, tax, or investment advice. Client-side only — inputs never leave your browser.

Cash/stock is after-tax principal in the nest egg (no τf haircut; no annual tax-drag). Distinct from annual taxable-account income under assumptions.

Recommendation

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Also consider:

Combined marginal now

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Est. at retirement

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After-tax nest egg at retirement

Traditional path—
Roth path—
50/50 split—

Illustrative spend (default 4% of nest egg, including cash): Trad — · Roth — (not a guarantee).

Growth then retirement drawdown

Constant-dollar spend (default 4% of the retirement nest egg, including cash) through age 100. A percent-of-remaining rule never hits zero; this path can deplete or keep growing.

Peer savings · Fed SCF 2022

Age group — · median — · mean —

Your entered total: — ·

      Limits TY2026: 401(k) — · Roth IRA max — · Modeled contrib —

      Sources & methodology

        Equal pre-tax dollar model: Traditional grows full contribution then taxed at τf; Roth invests after current tax then grows tax-free. State rates use Tax Foundation top ordinary marginal approximations (not full multi-bracket + SALT). SCF peers are household, national, conditional on holding accounts.

        US Macro Pulse

        1. US National Debt

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        2. Mortgage Rates (30y + 15y)

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        3. US Unemployment

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        4. US Inflation (Headline + Core)

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        5. US GDP Growth (Quarterly Annualized)

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        6. Housing Affordability Index

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        7. Federal Workforce (Total + without USPS)

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        8. Real Compensation per Hour (Index 2017=100)

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        Try BarIO → Beam Solver

        Also explore BoltIO, JointIO, LamIO, BuckIO, 3dIO, and PropIO.

        Tech News

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        TSLA · SPCX …

        Not financial advice. LaunchPad coming soon.