RMD Impact
Estimate how Required Minimum Distributions interact with your portfolio, taxes, and retirement income over time.
OpenEstate & Legacy Planning Suite
Model inherited IRA taxes under the 10-year rule, compare Roth conversion strategies across generations, and explore SECURE Act planning tools.
OpenManaged Portfolio vs Vanguard Index Fund
See the true cost of advisor fees - including opportunity cost - compared to low-cost Vanguard index funds.
OpenVanguard Personal Advisor vs Target Date Funds
Compare the cost of Vanguard PAS (0.30%) with a self-managed blend of Target Date funds. Allocate conservative, moderate, and aggressive.
OpenSocial Security Claiming Analyzer
Compare claiming ages and see how lifetime Social Security benefits change over time.
OpenRetirement Timeline & Checklist
Turn your target retirement date into a simple, phased checklist of tasks—from early prep to your last day at work and first year in retirement.
OpenRoth Conversion Calculator
Analyze the benefits of converting traditional IRA funds to Roth, considering current vs future tax brackets, RMDs, and Medicare IRMAA thresholds.
OpenRequired vs. Desired Spending Calculator
Separate essential expenses from discretionary spending to calculate the minimum portfolio needed for security and the ideal portfolio for your full retirement lifestyle.
OpenRetirement Spending & On-Track Checkup
Estimate a retirement budget from your current spending, factor in guaranteed income, and see whether your savings look on track using a simple withdrawal-rate rule of thumb.
OpenFuture Value Calculator
Calculate present value, future value, annuities, and required payments to reach your financial goals.
OpenSocial Security + Spending Gap Calculator
See how Social Security reduces the portfolio you need by identifying your real retirement spending gap.
OpenSurvivor Gap Calculator
Compare single-life vs joint-life annuity payouts and see how life insurance could fill the gap for your surviving spouse.
OpenDebt Payoff Calculator
Pay down debt before retirement—compare avalanche vs snowball, see payoff timelines, and how extra payments save interest.
OpenPension vs. Lump Sum
See how many years it takes for the pension to “pay back” the lump sum and how your life expectancy affects the choice.
OpenPlan Success (Monte Carlo)
See the probability of your portfolio lasting through retirement using random market return simulations.
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