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Calculators
These educational tools include a retirement spending calculator and a retirement distribution calculator. Explore how much money do you need to retire, how much should I save for retirement, how long will my money last in retirement, and how long will my retirement savings last. Debt tools illustrate how debt payoff affects retirement balances. Early-withdrawal math is educational only—not a financial advisor for early retirement. Entries are not saved.
20 educational tools · entries are not saved
Planning
Savings path, tax choices, and account moves.
8 tools
Roth conversion tax estimate
Estimate tax due now and hypothetical Roth growth after converting pretax savings.
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Nest-egg projection
Project current savings and monthly contributions to retirement age against a goal.
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Pretax or Roth contributions
Compare after-tax future value when today’s tax rate and retirement tax rate differ.
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Compound growth
Project a starting amount plus monthly additions into contributions versus earnings.
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Rollover vs cash-out
Compare staying put, moving at a lower fee, or taking a taxable cash-out.
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HSA cash vs invested
Compare leaving HSA dollars in cash with investing a portion at an assumed return.
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Pension benefit estimate
Illustrate an annual pension from years of service, pay, and a simple multiplier.
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College savings track
Check projected savings against an illustrated years-of-school cost target.
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Spending
Withdrawals, RMDs, and illustrated lifestyle costs.
5 tools
RMD estimate
Apply IRS Uniform Lifetime divisors and SECURE 2.0 start ages to a year-end IRA balance.
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Savings drawdown
Estimate a level annual withdrawal that could last for a chosen number of years.
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Early withdrawal cost
Estimate federal-style tax and a possible 10% additional tax on money taken out early.
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Retirement spending need
Turn current income into an illustrated annual spending level in retirement.
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Workplace plan loan
Compare loan interest paid back to the plan with hypothetical missed market growth.
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Saving
Cash reserves and monthly household cash flow.
2 tools
Debt and protection
Coverage, housing, and debt payoff tradeoffs.
5 tools
Life coverage gap
Sketch income replacement, debts, and education needs against existing coverage and assets.
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Home loan refinance break-even
Estimate monthly savings, break-even months, and remaining interest after closing costs.
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Pay debt or invest
Compare the same extra monthly amount toward high-rate debt versus investing.
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Student loan rate comparison
Estimate payment and total interest if the rate and remaining term change.
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Debt payoff comparison
Compare extra payments toward the highest rate versus the smallest balance.
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Educational planning software—not investment, tax, legal, Medicare, or Social Security advice. Projections depend on your inputs and assumptions. Optional professional review is separate when available.