Lucarelli 2026 Tax & Roth Master Planner

Category 2024 Actual 2025 Draft 2026 Estimate
HOUSEHOLD INCOME
W-2 Wages (Box 1)$529,342$514,278
Interest & Ordinary Dividends$81,940$5,900
HSA Contribution (MFJ Max)($9,300)($9,300)
SARAS SOUND HEALING (SCHEDULE C)
Gross Revenue$13,051$14,985
Total Expenses (Including HO)$17,185$15,382
THE ESCAPE (SCHEDULE C)
Rental Revenue$25,246$50,062
Total Expenses (Int/Dep/Ops)$312,572$154,377
ROTH PLANNING
Planned Roth Conversion--
TAX ON CONVERSION (24%)
SURRENDERED CREDITS (5%)
MATH VERIFICATION (AUDIT TRAIL)
Total Gross Income (W2 + Inv):
Total Business Net P/L:
Roth Conversion Amount:
HSA Adjustment:
ADJUSTED GROSS INCOME (AGI):
Standard Deduction (2026):-$32,200
TAXABLE INCOME:
2026 24% Bracket Cap:$403,550