Scenario Lab (P1 · P2 · P3 · P4 · P5 · P6 · P7)

Scenario assumptions

Scenario name

Enter baseline and target ZIP codes for cost-of-living suggestions from BEA batch data. Relocation scores still use curated metros when your ZIP maps to one of our ranked regions.

Cost of living from BEA Regional Price Parities (2023), metro or county average — not ZIP-level rent. Curated metro cards may show a different planning index than ZIP lookup.

Baseline ZIP

Target ZIP

Metro area selection

Choose baseline and target metros for relocation score comparison. ZIP entry above auto-selects the closest ranked metro when available; changing a metro here clears that ZIP until you enter one again.

Baseline metro (score)

Target metro (score)

Location characteristics (batch data)

Cost of living from BEA RPP when ZIPs resolve; other fields from batch snapshots when available. Forecast housing and tax fields sync when ZIPs change.

Metric	Seattle, WA	Kahului-Wailuku, HI (Metropolitan Statistical Area)
Overall rank	#1 of 2350	#2 of 2350
Relocation score	77 / 100	72 / 100
Cost of living (US avg = 100)	113	107
Median household income	$117,000	$77,040
Unemployment	3.7%	3.4%
State income tax (top rate)	0.0%	0.0%
Jan low / Jul high	37°F / 79°F	65°F / 85°F
Region type	city	city
Equivalent salary in Kahului-Wailuku, HI (Metropolitan Statistical Area) (A median base)	$117,000	$110,788
COL index change (B vs A)	113	-5.31%
State top tax change (B vs A)	0.0%	0.0% (+0.0 pp)

Region-derived suggestions

Static metro proxies from committed batch data — not tax advice. NYC local tax is not included.

Lifestyle-equivalent salary at target: $118,363
Suggested COL housing delta: $4,314
Suggested state tax proxy: $0

View raw metrics compare

Family priorities

Adjust how much each factor matters. Sliders use raw 0–100 values; shares below show normalized weights that feed the utility score.

Wealth growth7.7%
School qualityData pending7.7%
Commute reductionData pending7.7%
Family timeData pending7.7%
WalkabilityData pending7.7%
Outdoor lifestyleData pending7.7%
Career upside7.7%
Remote work resilienceData pending7.7%
Housing affordability7.7%
Stress reductionData pending7.7%
SafetyData pending7.7%
Political / cultural fitData pending7.7%
Youth sportsData pending7.7%

Collaboration (P7)

Or paste JSON

Income before change

Add one row per contributor. Types are labels in this release—all amounts sum into the annual salary total for forecasting.

Label

Annual (USD)

Type

Total: $125,000

Income after move (move path)

Add one row per contributor. Types are labels in this release—all amounts sum into the annual salary total for forecasting.

Label

Annual (USD)

Type

Total: $125,000

Years

Starting savings (USD)

Monthly savings (USD)

Annual return (%)

Compare return (%)

Annual housing delta (USD)

Annual state tax proxy (USD)

One-time move cost (USD)

Shared inputs apply to both paths. Housing, tax, move cost, and income after move apply to the relocation path only; stay uses baseline income and no relocation deltas. Move-path salary delta is $0 per year.

Short link ready to paste

Save stores this assumption set in local browser storage. Share encodes your scenario in a compressed link for deterministic replay. Shared links include ZIP codes you entered.

Saved scenarios

Salary before (quick edit)

Salary after move (quick edit)

Relocation benefit

Compare staying in your baseline location vs relocating to your target with the same shared assumptions. Positive deltas favor the move.

+$27,65610-year net worth delta

−$13,686Year-one cash flow delta

-0.10Utility score delta

Stay vs move

Metric	Seattle, WA	Kahului-Wailuku, HI (Metropolitan Statistical Area)	Move benefit
Ending net worth	$359,889	$387,545	+$27,656
Year-one cash flow	$18,000	$4,314	−$13,686
Region score Δ	—	-5	-5
Move cost (year 1)	$0	$18,000	-$18,000

Utility compare

Stay in Seattle, WA50.25
Move to Kahului-Wailuku, HI (Metropolitan Statistical Area)50.15

No clear utility winner within margin.

Net worth by year

Year	Stay @ +5%	Move @ +5%	Stay contribution	Move contribution
1	$97,650	$83,280	$18,000	$4,314
2	$121,433	$110,874	$18,000	$22,314
3	$146,404	$139,847	$18,000	$22,314
4	$172,624	$170,270	$18,000	$22,314
5	$200,156	$202,213	$18,000	$22,314
6	$229,063	$235,753	$18,000	$22,314
7	$259,416	$270,971	$18,000	$22,314
8	$291,287	$307,949	$18,000	$22,314
9	$324,752	$346,777	$18,000	$22,314
10	$359,889	$387,545	$18,000	$22,314

Monte Carlo (P3)

Deterministic ending: $387,545. 800 simulations.

P10 $266,909 · P50 $374,436 · P90 $529,915

Advanced tax (P5)

2024 brackets. Scenario proxy delta: $0.

Seattle, WA total $23,043 → Kahului-Wailuku, HI (Metropolitan Statistical Area) $23,043 (cash-flow delta $0)

Life timeline (P4)

Add life events with a year offset. Effects stack on stay and move paths.

No life events yet.

Stay ending (Seattle, WA): $359,889

Move ending (Kahului-Wailuku, HI (Metropolitan Statistical Area)): $387,545

Move advantage: $27,656

Year	Stay	Move
1	$97,650	$83,280
2	$121,433	$110,874
3	$146,404	$139,847
4	$172,624	$170,270
5	$200,156	$202,213
6	$229,063	$235,753
7	$259,416	$270,971
8	$291,287	$307,949
9	$324,752	$346,777
10	$359,889	$387,545

Scenario advisor (P6)

Medium confidence

Kahului-Wailuku, HI (Metropolitan Statistical Area) wins on projected wealth, with COL and tax benefits supporting the move.

Wealth outlook

Moving to Kahului-Wailuku, HI (Metropolitan Statistical Area) projects $27,656 higher ending net worth over 10 years (+7.7% vs staying in Seattle, WA).

Cost of living

COL index shifts from 113 to 107, -5.3%. Housing cash-flow proxy suggests about $4,314 annual savings after the move.

Family utility

Utility scores are close (move 50.1 vs stay 50.3). Top weighted factors: Housing affordability (8% weight, +4.0 pts); Wealth growth (8% weight, +3.9 pts); Career upside (8% weight, +3.9 pts).

Family utility score

50.15 / 100 overall

Factor	Signal	Weight	Contribution
Wealth growth	54.00	7.7%	4.14
School qualityData pending	50.00	7.7%	3.85
Commute reductionData pending	50.00	7.7%	3.85
Family timeData pending	50.00	7.7%	3.85
WalkabilityData pending	50.00	7.7%	3.85
Outdoor lifestyleData pending	50.00	7.7%	3.85
Career upside	45.00	7.7%	3.46
Remote work resilienceData pending	50.00	7.7%	3.85
Housing affordability	53.00	7.7%	4.05
Stress reductionData pending	50.00	7.7%	3.85
SafetyData pending	50.00	7.7%	3.85
Political / cultural fitData pending	50.00	7.7%	3.85
Youth sportsData pending	50.00	7.7%	3.85