Your Household
/year
Annual Cash Benefit
+$20,256/yr
payroll tax + tax + VAT + carbon − Universal Child Allowance − health savings
Retirement Security (PV)
+$108,592
SS solvency + healthcare — status quo ≈ 77% payable
Combined Lifetime Value
+$733,494
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
−$126/yr
FICA + premium share, replaced by payroll tax
Current FICA + your share of the $17,000 premium
−$15,902
Accord payroll tax (10.5% employee share)
−$7,140
Net change
+$8,762
$17,000 is the national-average employer family health premium. Adjust your premium share via the inputs above; the calculation reflects your specific household.
+$10,700
Health costs eliminated
+$10,800
Universal Child Allowance Yrs 3+ ($600/$300/$200, 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):
$123,624
Accord (100% solvent):
$160,550
+$36,927
Healthcare in Retirement
Status quo OOP+premiums:
$10,700/yr
Accord (Distributed Healthcare):
$0/yr
PV: +$71,665
Total Retirement Gain
+$108,592
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 — $20,000 lifetime cap (reached at age 20)
• Distributed Healthcare includes dental, vision, mental health — no networks, no surprise bills
• Infrastructure investment in your community (COMPASS-directed)
Estimates use Architecture v10.2 · Scoring v10.2. 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.
Architecture version: v10.2
Scoring version: v10.2 (rerun 2026-04-30)