Tau Balance
Tau Balance provides research-backed retirement planning software that optimizes asset placement across taxable, tax-deferred, and tax-free accounts over multi-decade horizons. The platform lets users choose among four planning objectives—Legacy, Retirement Paycheck, Minimize Taxes, or Build After-Tax Wealth—to tailor tax-aware strategies that can outperform simple baseline approaches.
- Financial Technology
- Software Only
Funding
Founders
Founder details are not available yet.
Product
Problem
Federal taxes can consume about one-third of investment returns for taxable investors, yet most retirement planning tools focus on annual tax savings rather than long-term, multi-decade optimization. Traditional approaches fail to coordinate asset placement across different account types—taxable brokerage, tax-deferred 401(k)/IRA, and tax-free Roth—leaving significant after-tax wealth on the table over long horizons.
Solution
Taubalance provides research-backed retirement planning that optimizes which assets belong in which accounts over decades, not just a single tax year. The platform uses an optimizer that considers account types, asset classes, and withdrawal strategies to coordinate taxes, growth, and distributions across a total portfolio. Users can select from four planning objectives—Legacy, Retirement Paycheck, Minimize Taxes, or Build After-Tax Wealth—to tailor the optimization to their specific goals. The tool demonstrates that a coordinated tax-aware plan can outperform a simple baseline approach, especially over long investment horizons, based on findings from academic research and leading investment institutions.
Target Audience
Primary users are individual investors and retirement savers seeking to maximize after-tax wealth, minimize lifetime tax burden, or optimize retirement income, as well as financial advisors looking for research-backed tax-aware planning tools.
Features
- Multi-account portfolio optimizer that coordinates taxable brokerage, tax-deferred 401(k)/IRA, and tax-free Roth accounts
- Four selectable planning objectives: Legacy, Retirement Paycheck, Minimize Taxes, and Build After-Tax Wealth
- Research-backed modeling grounded in findings from academic research and leading investment institutions
- Long-horizon analysis spanning decades rather than single-year tax optimization
- Asset class allocation across equities, bonds, and municipals with tax-aware placement logic
- Comparative output showing tax-aware plan outcomes versus simple baseline strategies