Calculators that model the tax code.
Free, no signup, no email wall. Every one runs in your browser — the numbers you type never leave the page, because there is no server to send them to.
Nobody else has this
Which account should you spend first?
The order you draw from your accounts changes your lifetime tax bill by six figures. No free calculator models it. This one does.
Closes at 73 or 75Your Roth conversion window
The years between retiring and RMDs are the cheapest tax years you will ever have. See how much room you actually have — and whether it's worth it.
A cliff, not a rampThe Medicare IRMAA cliff
One dollar of income over the line costs you about a thousand dollars a year, two years later. See where the cliffs sit and how close you are.
SECURE 2.0What the IRS will force you to withdraw
At 73 or 75 the government starts emptying your IRA on its schedule, not yours. See the size of it and what it does to your bracket.
Why these four and not forty? Most sites carry a hundred calculators because
more pages means more traffic. These are the four decisions that actually move a retirement plan
by six figures, and they're the four that free calculators either skip or get wrong. When we have
a fifth that clears that bar, we'll add it.