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  1. Start with the categories that apply to you. Skip anything you don't have.
  2. It doesn't have to be exact. A reasonable estimate rounds up to cover the gaps.
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Profile
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People in your primary residence
Used to estimate your lifetime-to-date footprint. Years before this are estimated at ~12 t/yr (US average for your income bracket pre-wealth).
Aviation
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I use private aviation
Commercial flights
Route
Cabin
Flights/yr
Short-haul <3h domestic
Medium-haul 3–7h regional
Long-haul 7h+ transatlantic/pac
DEFRA 2026 factors with IPCC AR5 radiative forcing (1.9×). Business/First includes seat-space multiplier (3× long-haul). Source: DEFRA Conversion Factors 2026.
Sources and methodology
Private aviation: EPA GHG Emission Factors Hub 2025 (9.75 kg CO2/gal jet fuel). Fuel burn from manufacturer specs via NBAA. Upstream 1.05x (GREET 2023). Radiative forcing 1.9x (IPCC AR5) for contrails and high-altitude effects.

Commercial aviation: DEFRA Greenhouse Gas Reporting: Conversion Factors 2026 (June 2026). Per-passenger-km by route and cabin. Business/First: seat-space allocation 1.5x short-haul, 3x long-haul. Radiative forcing 1.9x (IPCC AR5). Aviation factors confirmed unchanged from 2025.
Homes & Properties
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Sources and methodology
Electricity: EPA 2026 eGRID2023 (0.352 kg CO2e/kWh US average), DEFRA Conversion Factors 2026 for UK (0.131 kg CO2e/kWh). Natural gas: EPA Table 1 (5.31 kg CO2/therm). Heating oil: EPA Table 2 (10.21 kg CO2/gal). Home energy defaults from EIA Residential Energy Consumption Survey (RECS 2020).
Ground Transport
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Sources and methodology
EPA GHG Emission Factors Hub 2026, Table 10 (mobile combustion, Scope 3 Category 6). Upstream from GREET 2023 (15% uplift). EV factor uses eGRID2023 (0.352 kg CO2/kWh) at 3.4 miles/kWh average efficiency.
Marine / Yacht
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I own or regularly charter a vessel
Sources and methodology
Fuel consumption from IMO Fourth GHG Study 2020 and superyacht operator data (Burgess, Camper and Nicholsons). Fuel factor: 10.21 kg CO2/gal (EPA, distillate No. 2). Assumes 8 to 12 hours underway per operating day.
Food & Diet
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Sources and methodology
Poore and Nemecek (2018), Science 360(6392): Reducing food's environmental impacts through producers and consumers. Full supply-chain lifecycle assessment. Figures scaled by household size.
Consumer Spending
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Goods, services, travel (excluding aviation), hospitality, and luxury items
Sources and methodology
EPA Environmentally Extended Input-Output (EEIO) Model. 0.45 kg CO2e per dollar is a blended rate for luxury and discretionary spending, derived from spend-based emission factors across relevant consumption categories.
Investment Portfolio
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Financed emissions are estimated using PCAF methodology. These are attributed emissions from your share of portfolio companies' footprints.
Cash & bank deposits
Banks lend deposits toward fossil fuel projects. Emissions vary up to 80× by institution. Source: The Carbon Bankroll (2022), BankFWD / PCAF.
Sources and methodology
Investments: PCAF Global GHG Standard, Third Edition (December 2025). EVIC-weighted attribution for listed equity. Calibrated against MSCI Portfolio Carbon Footprint data: approximately 100 tCO2e per $1M diversified US equity, Scope 1+2.

Bank deposits: The Carbon Bankroll (2022) by BankFWD, Optera, and Stand.earth. PCAF Global GHG Standard financed emissions methodology. Emissions vary up to 80× by institution depending on a bank's lending and investment portfolio.
Annual footprint
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tonnes CO₂e per year
US average (48 tCO₂e/yr)
Top 1% earners (~250 tCO₂e/yr)
1.5°C Paris target (2.5 tCO₂e/yr)
Breakdown by category
Tonnes CO₂e per year
Lifetime footprint
Cumulative tonnes CO₂e
Emitted to date
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total tCO₂e
Projected remaining (BAU)
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total tCO₂e
Historical (est.)
Business as usual
−7%/year reduction

Directional estimates only, not audit-grade. Sources: EPA 2026 (eGRID2023), DEFRA 2026, PCAF Third Edition (2025), Carbon Bankroll (2022). Aviation includes 1.9× radiative forcing. All figures in tCO₂e.