Step 5: Your Assets and Accounts
Enter the total current value of each account or asset type you indicated on Step 1.
Household Totals Guidance
Account Balance Worksheet
Enter individual balances below — totals will be applied to your main page.
Column 1 — Qualified (Pre-Tax)
You haven’t paid income tax on this money yet. Withdrawals will be taxed as ordinary income.
Examples: Traditional 401(k) • 403(b) • Traditional IRA • SEP IRA • 457(b)
Rule of thumb: if you got a tax deduction when you contributed, it goes here.
Column 2 — Non-Qualified (Post-Tax)
You’ve already paid income tax on this money. Withdrawals are treated as tax-free in this model.
Examples: Roth IRA • Roth 401(k) • Savings / CDs • Brokerage (cost basis)
Pro tip: for brokerage accounts, use only your deposited principal for the most conservative estimate.