Retirement
Retirement Readiness
Project your accumulation and decumulation paths, estimate your annual gap at retirement, and compare projected balance to a required nest egg under both an annuity method and the 4% rule.
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Tools
Calculators
Interactive calculators for educational exploration. Results are estimates only—always verify assumptions and consider professional advice for real decisions.
Retirement
8 calculators
Retirement
Retirement Readiness Scorecard
A 0–100 readiness score across savings, income, tax, and legacy pillars, with KPI cards and top suggested next steps.
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Retirement
Social Security Analyzer
Compare monthly and cumulative lifetime benefits across claiming ages 62–70, with optional earnings-test and taxation impact.
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Retirement
Safe Withdrawal Rate Simulator
Model retirement withdrawal strategies and portfolio longevity under different market sequences.
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Retirement
Sequence of Returns Risk Analyzer
Show how the order of returns — not just their average — determines retirement outcomes. Compares an early-bear vs. late-bear window with the same long-run return, and attributes historical success by early-5-year experience.
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Retirement
Retirement Healthcare Decision Tool
A 10-question branching wizard for figuring out your Medicare / employer / Marketplace transition path, with a specific recommendation and notes tailored to your answers.
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Retirement
Monte Carlo Retirement Simulator
Run thousands of retirement simulations against historical or parametric returns to stress-test spending and income.
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Retirement
Dormant 401(k) Rollover
A 6-question branching wizard that maps your situation to one of 10 outcomes — rollover, NUA, Rule-of-55, SEPP/72(t), and more — with the reasoning behind each.
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Tax
7 calculators
Tax
Roth Conversion
Compare keeping pre-tax IRA funds vs. annual Roth conversions across taxes, ending balances, and the conversion-path benefit.
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Tax
Roth Conversion Bracket Analyzer (2026)
Lock in 2026 federal brackets, estimate the tax drag of a Roth conversion, and see how much room you still have before the next marginal rate.
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Tax
Penalty-Free Roth Conversion (2026)
Follow a decision flow to estimate whether a Roth IRA conversion could be penalty-free based on common 2026 rules.
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Tax
RMD
Project Required Minimum Distributions year by year using IRS Pub. 590-B life-expectancy tables (Uniform Lifetime or Joint Life and Last Survivor).
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Tax
RMD Tax Cost Estimator
Estimate the lifetime federal income tax cost of RMDs to you, plus the 10-year tax cost to your heir under the inherited-IRA rules.
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Tax
Tax-Efficient Withdrawal Order
Compare four retirement withdrawal orders (conventional, taxable-first then Roth, bracket-fill hybrid, and custom) on cumulative taxes and ending net worth.
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Tax
Capital Gain & Loss Harvesting
Auto-select tax lots to harvest under your chosen strategy, then project the multi-year after-tax wealth impact vs. doing nothing.
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Income
3 calculators
Income
Pension Lump Sum vs Lifetime Income
An eight-question decision wizard that maps your situation to one of seven recommendations — lump sum, lifetime income, or a comparison step — with the reasoning behind each.
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Income
Annuity vs Bond Ladder vs Portfolio Income
Compare three retirement income strategies — single-premium annuity, bond ladder, and portfolio withdrawals — on starting income, durability, inflation resilience, liquidity, legacy, and complexity.
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Income
Annuity vs Bonds vs Portfolio
Compare simplified income estimates from an annuity, bond ladder, and portfolio approach.
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Investing
2 calculators
Investing
Portfolio Risk Alignment Analyzer
Take a 10-question risk questionnaire, then compare your current asset allocation to a recommended allocation for your profile and age. Surfaces over-/under-risked mismatches.
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Investing
Real Estate Rental Opportunity Cost
Compare keeping a rental property against selling it today and investing the net equity in a model portfolio over your horizon.
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Legacy
1 calculator
Legacy
Legacy Distribution Planner
Project how much of your wealth reaches heirs vs. taxes under four strategies (baseline, annual Roth conversions, taxable-spend-first, tax-deferred-spend-first).
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