Professional Planning Tools, Now with Premium Features

All calculators below are free to use. Upgrade to Premium to save and compare scenarios, export PDF and CSV reports, and access advanced projections.

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10-20 Year Projections
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For folks in or near retirement

RMDs, Social Security, Roth conversions, and retirement income planning.

RMD Impact

Estimate how Required Minimum Distributions interact with your portfolio, taxes, and retirement income over time.

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Future Value Calculator

Calculate present value, future value, annuities, and required payments to reach your financial goals.

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Social Security Claiming Analyzer

Compare claiming ages and see how lifetime Social Security benefits change over time.

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Social Security + Spending Gap Calculator

See how Social Security reduces the portfolio you need by identifying your real retirement spending gap.

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Roth Conversion Calculator

Analyze the benefits of converting traditional IRA funds to Roth, considering current vs future tax brackets, RMDs, and Medicare IRMAA thresholds.

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Required 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.

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Managed Portfolio vs Vanguard Index Fund

See the true cost of advisor fees - including opportunity cost - compared to low-cost Vanguard index funds.

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Survivor Gap Calculator

Compare single-life vs joint-life annuity payouts and see how life insurance could fill the gap for your surviving spouse.

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For folks building or strengthening their foundation

Debt payoff, emergency fund, down payment, and getting on track for retirement—whether you're just starting or catching up.

Debt Payoff Calculator

Compare avalanche vs snowball, see payoff timelines, and see how extra payments shorten your journey and save interest.

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Emergency Fund Builder

Set a target (e.g. 3–6 months of expenses) and see how long it takes to get there at your savings rate.

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Down Payment / House Savings

See how much to save each month to reach your down payment goal and when you'll get there.

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Student Loan Payoff

Model extra payments, refinancing, and payoff timelines so you can choose a strategy that fits.

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401(k) / IRA On Track?

See if your current balance and contributions put you on track for retirement by your target age.

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