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Family Calculator
What Does the Accord Mean for You?
Enter your household details. Every slider updates the calculation in real time.
Your Household
/year
Annual Cash Benefit
+$21,762/yr
TCL + tax + VAT + carbon − UCA − health savings
Retirement Security (PV)
+$115,815
SS solvency + healthcare — status quo ≈ 77% payable
Combined Lifetime Value
+$821,379
27 yrs × cash + retirement PV + Baby Bonds + Skills Wallet
2 adults, 2 children · Joint · $68,000 · suburban
Status Quo: You Pay
−$20,382/yr
Under the Accord: Net
+$1,380/yr
+$10,700
Health costs eliminated
+$12,000
UCA ($600/$400/$300, 2 children)
+$9,060
Pre-bate + Stipend
Your Carbon & Energy Detail
Fuel: $190
7,500 mi, 28 mpg
Heating: $424
gas, 5.3t CO₂
Other: $500
goods & food
Carbon total: $1,114Stipend: −$2,100Net: $0
Retirement Security (Present Value)
Social Security
Status quo (77% payable):
$147,806
Accord (100% solvent):
$191,955
+$44,150
Healthcare in Retirement
Status quo OOP+premiums:
$10,700/yr
Accord (VHA-E):
$0/yr
PV: +$71,665
Total Retirement Gain
+$115,815
present value, 3% discount
27 yrs to retirement
Additional Benefits (Baby Bonds & Skills Wallet now included in Combined Value)
• Baby Bonds: ~$19,000 per child ($1,000 at birth + annual contributions with growth) — 25% vests at each birthday, ages 18–21.
• Skills Wallet: $1,000/yr per person — $40,000 lifetime cap (reached at age 40)
• VHA-E includes dental, vision, mental health — no networks, no surprise bills
• Infrastructure investment in your community (COMPASS-directed)
Estimates use DNA v21 parameters at steady-state maturity. Actual impact depends on legislation and implementation. Tax brackets simplified from 2024 schedules. Carbon costs modeled at $80/ton (Year 1). Retirement PV uses 3% real discount rate over 20-year horizon.