Run the numbers.
Free retirement planning tools. Model Roth conversions, RMDs, Social Security claiming, estate exposure, and more, with your real numbers, in your browser.
Retirement readiness & planning
Retirement Readiness Score
Quick gut-check on whether your savings, age, and spending are aligned for the retirement you want.
Open calculator →Savings Growth Projector
Project how your retirement savings compound over time at different contribution rates and returns.
Open calculator →Save Now vs. Later Calculator
See the real cost of delaying contributions, what an extra five years costs at retirement.
Open calculator →Life Expectancy Estimator
Estimate your planning horizon so the rest of the numbers actually mean something.
Open calculator →College vs. Retirement Planner
Balance funding your kids' college against funding your own retirement, without short-changing either.
Open calculator →Retirement income & withdrawals
Withdrawal Longevity Planner
How long does your portfolio last at your spending rate? Find the breaking point before retirement does.
Open calculator →Social Security Optimizer
Compare claiming at 62, full retirement age, and 70 against your real life expectancy and income picture.
Open calculator →RMD Calculator
Calculate your required minimum distribution and project how it grows with your IRA balance.
Open calculator →Pension vs. Lump Sum Analyzer
Compare lifetime pension value against the lump sum offer using your real numbers.
Open calculator →401(k) Maximizer
Model contributions, employer match, and growth, see what your 401(k) actually becomes.
Open calculator →Tax planning
Retirement Tax Calculator
Estimate your federal + Illinois retirement tax bill and where the savings hide.
Open calculator →Roth Conversion Analyzer
Model what a Roth conversion looks like in real numbers. Illinois rates, your bracket, the conversion size.
Open calculator →Backdoor Roth Analyzer
Walk through after-tax contribution and conversion mechanics, including the pro-rata trap.
Open calculator →Tax Bracket Explorer
Visualize your federal bracket and see where the next dollar of income actually lands.
Open calculator →Tax Rate Visualizer
See effective vs marginal rates side-by-side across your income picture.
Open calculator →Tax Bracket Projection
Project your bracket forward through retirement, including TCJA sunset assumptions.
Open calculator →Insurance & annuity planning
Estate & legacy planning
Estate & Gifting Planner
Project your estate value, see Illinois exemption exposure, and model gifting strategies.
Open calculator →Inherited IRA Calculator
Run the 10-year rule against your inherited IRA balance and tax bracket.
Open calculator →NUA Strategy Analyzer
Model the tax difference between rolling employer stock to an IRA vs using the NUA strategy.
Open calculator →Long-term care & inflation
Investing & hard assets
Federal benefits & retirement
Federal Retirement Planner
Comprehensive federal retirement modeling. FERS, TSP, FEHB, and Social Security in one view.
Open calculator →FERS Pension Estimator
Estimate your FERS annuity based on high-3 salary, years of service, and retirement age.
Open calculator →TSP Withdrawal Planner
Model TSP withdrawals across L Funds, G Fund, and individual fund mixes through retirement.
Open calculator →Federal Benefits Gap Analysis
Identify the gaps between your federal benefits package and a complete retirement plan.
Open calculator →Numbers tell you where.
A plan tells you how.
Calculators are a great starting point. The plan that gets you there's the conversation. Free, no obligation.