## Where to edit income and expenses
Open **Planning → Income** to itemize wages, business income, Social Security, pensions, rental, and declared investment cash flows. Open **Planning → Expenses** for housing, healthcare, Medicare, education, and other living costs. Each line has an amount, frequency (monthly, annual, or one-time), optional person, and a start/end **calendar year** (with optional start/stop month).
## Income mix – monthly vs Mix at reference year
On the Income page, **Income mix – monthly** is the left donut: each slice is that category’s reference-year annual amount **divided by 12** (same pattern as **Expense mix – monthly** on Expenses). **Mix at reference year** on the right is the **annual** breakdown at the same reference calendar year. The two charts share the same mix; only the unit differs (per month vs per year).
## Reference year is a calendar year
**Ref. yr $**, the income mix charts, and **Tax Planner** year 0 all use the plan’s **schedule start calendar year** (for example 2026), evaluated at each person’s **January 1 age** for that year—not “today’s age” after a birthday. A job that ends in July of that calendar year still counts in that year’s mix and tax AGI for the active months, even if you have already had a birthday later in the year.
## Amounts are run-rates, then prorated by months
Line **amount** is a **run-rate** (monthly pay, or a full-year annual rate)—not “total cash I will receive in this calendar year.” When start/stop months limit the year, Analyzer prorates: monthly × active months, or annual × (active months ÷ 12). To model a known total for a partial year, enter the true monthly pay (or an annual rate that prorates to that total).
## How income feeds Tax Planner AGI
**Tax Planner** builds each calendar year’s AGI from detailed income for that year: wages and business as **ordinary income**, declared dividends/interest/gains in their own lines, and so on. Ordinary income is the earned total for the year (all active wage/business lines), not a single line label. If work stops mid-year, only the prorated months appear in that year’s ordinary income.
Educational content only—not personalized investment, tax, or legal advice.