Open one. Copy the link. Put it on your site.
Small tools built from the public rules, with the sources on the page. Each link below opens the tool in its own small window; the same link works on your site, and every tool ends by telling the reader to talk with a professional who knows their whole situation. No form to fill in.
A page for each kind of firm
Each opens with the tools that fit, ready to try and to place. Send the page to a colleague, or link it from your own resources page.
- For estate planning attorneys
- For elder law attorneys
- For family law attorneys
- For real estate attorneys
- For business attorneys
- For CPAs and tax practices
- For real estate agents
- For mortgage brokers and lenders
- For life and health insurance agents
- For property and casualty agents
- For wealth managers
- For advisers with a specialty
- For retirement planners
- For financial planners and coaches
- For banks and trust companies
- For senior living and care providers
- For agencies and nonprofits serving older adults
- For employers and benefits teams
- For writers and publishers
All 66 tools. Choose your kind of firm to see the ones that fit.
Saving while you work
Backdoor Roth Pro-Rata Calculator (opens in a new window)
How much of a Roth conversion is taxable when other pre-tax IRAs exist?
Works out how much of a Roth conversion is taxable when you also have other pre-tax IRAs.
2026 law · reviewed September 5, 2026
Exactly what your reader sees when they click the link.
Roth Five-Year Rule Calculator (opens in a new window)
Which five-year clocks have run, and what would a Roth withdrawal cost today?
Checks which of the Roth IRA five-year clocks have run and what a withdrawal would cost you today.
2026 law · reviewed September 6, 2026
Exactly what your reader sees when they click the link.
Estimated Tax Safe Harbor (opens in a new window)
How much has to be paid in this year to avoid the underpayment penalty, and how far short am I?
Tells you how much tax you must pay in during the year to avoid the underpayment penalty, and how to close any gap.
2026 law · reviewed September 6, 2026
Exactly what your reader sees when they click the link.
How Much Can I Save This Year? (opens in a new window)
How much can I put into tax-advantaged accounts this year, at my age?
Adds up how much you can put into retirement and health savings accounts this year, at your age.
2026 law · reviewed September 5, 2026
Exactly what your reader sees when they click the link.
Roth or Traditional 401(k)? (opens in a new window)
Roth or traditional 401(k): which leaves more after tax at the same cost to your paycheck?
Compares a Roth and a traditional 401(k) contribution at the same cost to your paycheck, at the tax rates you expect now and in retirement.
2026 law · reviewed September 7, 2026
Exactly what your reader sees when they click the link.
How Much Life Insurance Do You Need? (opens in a new window)
How much life insurance would it take to replace an income and settle what is owed?
Sizes the life insurance a family would need from its parts: the income to replace, the debts, the final expenses, the education fund, and what is already in place.
2026 law · reviewed September 7, 2026
Exactly what your reader sees when they click the link.
Your house and your mortgage
Home Sale Exclusion for a Surviving Spouse (opens in a new window)
How much gain can a surviving spouse exclude on the house, and for how long?
Shows how much profit a surviving spouse can sell the house for without tax, and how the answer changes after two years.
2026 law · reviewed September 6, 2026
Exactly what your reader sees when they click the link.
Illinois Senior Property Tax Exemptions (opens in a new window)
Which Illinois property tax exemptions apply to me, and what are they worth?
Shows which Illinois property tax exemptions you qualify for and what each saves at your local tax rate.
2026 law · reviewed September 6, 2026
Exactly what your reader sees when they click the link.
Illinois Real Estate Transfer Tax Calculator (opens in a new window)
What transfer taxes are due on this Illinois sale, and who pays them?
Shows the state, county, and municipal transfer taxes on an Illinois home sale, and which side pays each, for any Illinois town.
2026 law · reviewed September 19, 2026
Exactly what your reader sees when they click the link.
Home Sale Exclusion After Renting It Out (opens in a new window)
The home was a rental before we moved in. How much of the gain can we still exclude?
Shows how much of the profit on your home is still tax-free when the home was rented out before you lived in it.
2026 law · reviewed September 6, 2026
Exactly what your reader sees when they click the link.
Sell or Keep the House? (opens in a new window)
Stay in the house or sell it and rent: which leaves more after some years?
Compares staying in your house with selling it and renting, year by year, at the costs and returns you expect.
2026 law · reviewed September 7, 2026
Exactly what your reader sees when they click the link.
Pay Off the Mortgage or Invest? (opens in a new window)
Extra money each month: to the mortgage, or invested?
Sends the same extra dollars each month down two paths, to the mortgage or into an investment, and shows where each stands when the mortgage would have ended.
2026 law · reviewed September 7, 2026
Exactly what your reader sees when they click the link.
How Much Umbrella Coverage Do You Need? (opens in a new window)
How large an umbrella policy would cover what a judgment could actually reach?
Sizes an umbrella liability policy from what a lawsuit could reach: your net worth outside retirement accounts plus a share of your future income, less what your auto and home policies already cover.
2026 law · reviewed September 7, 2026
Exactly what your reader sees when they click the link.
Is Your Home Underinsured? The 80 Percent Rule (opens in a new window)
If the house is insured for less than the policy requires, how much of a claim is paid?
Checks your dwelling coverage against the cost to rebuild and shows what the policy would pay on a loss when the coverage falls short.
2026 law · reviewed September 7, 2026
Exactly what your reader sees when they click the link.
Raise the Deductible? The Break-Even (opens in a new window)
Does a higher deductible pay for itself, and how often can you claim before it does not?
Weighs the premium a higher deductible saves each year against the extra you would pay on each claim, and finds the claim rate at which the two match.
2026 law · reviewed September 7, 2026
Exactly what your reader sees when they click the link.
Refinance Break-Even: When the New Loan Pays for Itself (opens in a new window)
When does a refinance pay for its closing costs, and does it pay at all?
Shows the month a new mortgage has paid for its closing costs, counted two ways, and whether you come out ahead for as long as you plan to keep the home.
2026 law · reviewed September 7, 2026
Exactly what your reader sees when they click the link.
15-Year or 30-Year Mortgage? (opens in a new window)
A 15-year or a 30-year mortgage, with the difference invested: which leaves more?
Runs a 15-year and a 30-year mortgage side by side, with the same cash spent on both and the difference invested, and shows where each stands at year 15 and year 30.
2026 law · reviewed September 7, 2026
Exactly what your reader sees when they click the link.
Should You Buy Points? The Break-Even on a Rate Buydown (opens in a new window)
When do discount points pay for themselves, and are they worth buying for as long as you will keep the loan?
Shows the month a rate buydown has paid for itself, what it earns if you keep the loan as long as you expect, and whether a seller credit toward points beats the same dollars off the price.
2026 law · reviewed September 7, 2026
Exactly what your reader sees when they click the link.
Cost of Living Estimator by ZIP Code (opens in a new window)
About what does a ZIP code cost to live in, and what does your income leave there?
Estimates what a ZIP code costs a household each month or year, in dollars, and the pre-tax income it takes; with your income, what is left and how it compares to the median; optionally against a second ZIP.
2026 law · reviewed September 15, 2026
Exactly what your reader sees when they click the link.
Claiming Social Security
Social Security Claiming Calculator (opens in a new window)
When should I claim Social Security, and what does each age pay over a lifetime?
Shows your Social Security benefit at every claiming age from 62 to 70 and what each adds up to over a lifetime.
2026 law · reviewed September 6, 2026
Exactly what your reader sees when they click the link.
Social Security Taxation Calculator (opens in a new window)
How much of my Social Security benefit is taxable?
Works out how much of your Social Security benefit is taxed, based on your other income.
2026 law · reviewed September 5, 2026
Exactly what your reader sees when they click the link.
Social Security Break-Even Calculator (opens in a new window)
At what age does waiting to claim Social Security pay off, once the early checks are invested?
Finds the age at which waiting to start Social Security pays off, including what the early checks could have earned.
2026 law · reviewed September 6, 2026
Exactly what your reader sees when they click the link.
Survivor Benefit Timing Calculator (opens in a new window)
Reduced survivor benefit at 60 now, or your own benefit later: which order pays more?
Helps a widow or widower choose which Social Security benefit to take first, and when to switch.
2026 law · reviewed September 6, 2026
Exactly what your reader sees when they click the link.
Social Security Earnings Test Calculator (opens in a new window)
If I work while claiming early, how much is withheld, and do I get it back?
Shows how much Social Security holds back if you work while collecting early, and what you get back later.
2026 law · reviewed September 6, 2026
Exactly what your reader sees when they click the link.
Social Security Spousal Benefit Calculator (opens in a new window)
How much can a spouse collect on the other's Social Security record, and at what age?
Shows how much Social Security a spouse can collect on the other spouse's work record, at each claiming age.
2026 law · reviewed September 6, 2026
Exactly what your reader sees when they click the link.
Social Security After Divorce (opens in a new window)
Can I collect Social Security on my former spouse's record, and how much?
Checks whether you can collect Social Security on a former spouse's record, and shows how much, while they are living and after they die.
2026 law · reviewed September 6, 2026
Exactly what your reader sees when they click the link.
Taxes in retirement
Your Retirement Timeline (opens in a new window)
Which age-based federal rules apply to you, and when?
Turns your birth month into the dates of every age-based retirement rule that applies to you.
reviewed September 1, 2026
Exactly what your reader sees when they click the link.
The Retirement Numbers (opens in a new window)
What are the 2026 limits, thresholds, premiums, and deductions, and where does each come from?
Puts this year's retirement figures in one place, each with the government release that set it.
2026 law · reviewed September 5, 2026
Exactly what your reader sees when they click the link.
IRMAA Calculator (opens in a new window)
Which Medicare income tier does this income land in, and what does the step cost?
Finds the Medicare premium tier your income lands in and what it costs for the year.
2026 law · reviewed September 5, 2026
Exactly what your reader sees when they click the link.
RMD Calculator (opens in a new window)
What is my required minimum distribution this year, and when does the first one land?
Computes the withdrawal the law requires from your retirement account this year and projects the next ten years.
2026 law · reviewed September 6, 2026
Exactly what your reader sees when they click the link.
Roth Conversion Room Calculator (opens in a new window)
How much can I convert to a Roth before the next tax bracket or Medicare tier?
Shows how much you can move from a traditional IRA to a Roth this year before the tax rate steps up or Medicare premiums rise.
2026 law · reviewed September 4, 2026
Exactly what your reader sees when they click the link.
Will My Money Last? (opens in a new window)
Will my money last, and what spending would last the whole way?
Projects whether your savings will last, year by year, at the spending and assumptions you choose.
2026 law · reviewed September 7, 2026
Exactly what your reader sees when they click the link.
Pension or Lump Sum? (opens in a new window)
Pension or lump sum: at what return does the lump sum match the pension?
Compares taking a pension as monthly checks for life with taking the lump sum offered instead.
2026 law · reviewed September 7, 2026
Exactly what your reader sees when they click the link.
Widow's Penalty Calculator (opens in a new window)
How much more federal tax does a surviving spouse pay on the same income?
Shows how much more federal tax a surviving spouse pays on the same household income after the joint return ends.
2026 law · reviewed September 5, 2026
Exactly what your reader sees when they click the link.
Illinois Retirement Income Tax (opens in a new window)
What does Illinois tax in retirement, and what does it leave alone?
Computes the Illinois income tax on a retirement income, showing what Illinois leaves alone and what it taxes.
2026 law · reviewed September 5, 2026
Exactly what your reader sees when they click the link.
Capital Gains Harvesting Room (opens in a new window)
How much long-term gain fits in the 0% bracket this year, and what does more cost?
Shows how much investment gain you can take this year at a zero percent tax rate, and what a larger gain costs.
2026 law · reviewed September 4, 2026
Exactly what your reader sees when they click the link.
QCD or Cash Gift? (opens in a new window)
Does giving from an IRA beat writing a check, and by how much?
Compares giving to charity by writing a check with giving straight from an IRA, and shows which saves more.
2026 law · reviewed September 5, 2026
Exactly what your reader sees when they click the link.
Real Marginal Rate Calculator (opens in a new window)
What does the next dollar of IRA withdrawal really cost, once Social Security and Medicare react?
Shows what one more withdrawal really costs in tax, once Social Security and Medicare react to it.
2026 law · reviewed September 5, 2026
Exactly what your reader sees when they click the link.
IRMAA Appeal Checker (opens in a new window)
Can I ask Social Security to set my Medicare surcharge from this year's income instead, and what is it worth?
Checks whether you can ask Medicare to base your premium on this year's income instead of a return from two years ago.
2026 law · reviewed September 6, 2026
Exactly what your reader sees when they click the link.
72(t) Payments Calculator (opens in a new window)
How much can I take from a retirement account before 59½ without the penalty, and for how long must I keep taking it?
Computes the yearly withdrawal you can take from a retirement account before 59½ without the early-withdrawal penalty.
2026 law · reviewed September 6, 2026
Exactly what your reader sees when they click the link.
Roth Conversion Ladder Planner (opens in a new window)
Converting a slice each year to the top of a bracket, how many years does it take and what does it cost?
Plans a Roth conversion in yearly slices, each sized to the top of a tax bracket, and shows how long it takes and what it costs.
2026 law · reviewed September 4, 2026
Exactly what your reader sees when they click the link.
First RMD Timing Calculator (opens in a new window)
Take the first required distribution in its own year, or delay it to April 1 and take two the next year?
Compares taking your first required withdrawal in its own year with delaying it to April 1 and taking two the following year.
2026 law · reviewed September 6, 2026
Exactly what your reader sees when they click the link.
Charitable Bunching Calculator (opens in a new window)
Would giving several years of gifts at once, and itemizing that year, save more than giving evenly?
Compares giving to charity a little every year with giving several years' worth at once, to see which saves more tax.
2026 law · reviewed September 6, 2026
Exactly what your reader sees when they click the link.
Medicare, insurance, and long-term care
Illinois Medicaid Long-Term Care Figures (opens in a new window)
What are this year's Illinois spousal impoverishment, resource, home equity, and look-back figures, and how is a transfer penalty computed?
Lists this year's Illinois Medicaid figures for nursing-home care and works out the penalty for gifts made in the last five years.
2026 law · reviewed September 4, 2026
Exactly what your reader sees when they click the link.
Medicare Enrollment Window (opens in a new window)
When is my Medicare window, and what does missing it cost for life?
Dates your Medicare sign-up window to your birth month and shows what a late sign-up costs for life.
2026 law · reviewed September 5, 2026
Exactly what your reader sees when they click the link.
Illinois Private-Pay Runway Calculator (opens in a new window)
At the private-pay rate, how long until Illinois Medicaid could begin?
Estimates how many months of nursing-home costs a household can pay before Illinois Medicaid could take over.
2026 law · reviewed September 4, 2026
Exactly what your reader sees when they click the link.
Long-Term Care Cost Projection (opens in a new window)
What could a stretch of long-term care cost by the time it is needed, and what would cover it today?
Projects what a period of long-term care could cost by the time you need it, and what set aside today would cover it.
2026 law · reviewed September 7, 2026
Exactly what your reader sees when they click the link.
Illinois Spousal Income Allowance (opens in a new window)
Once my spouse is on Medicaid in a nursing home, how much of our income do I keep?
Shows how a couple's monthly income is divided once one spouse is on Illinois Medicaid in a nursing home, and what the spouse at home keeps.
2026 law · reviewed September 4, 2026
Exactly what your reader sees when they click the link.
Divorce
Dividing Retirement Accounts in Divorce (opens in a new window)
Split by the statement, what is each spouse's share actually worth after tax?
Shows what each spouse's share of the retirement and investment accounts is worth after tax, at each spouse's own tax rate.
2026 law · reviewed September 7, 2026
Exactly what your reader sees when they click the link.
The House or the IRA? After-Tax Value in a Divorce (opens in a new window)
In a divorce, is the house worth the IRA it is traded against, after tax?
Compares what the house and the retirement account are each worth after tax, when a divorce trades one against the other.
2026 law · reviewed September 7, 2026
Exactly what your reader sees when they click the link.
Illinois Maintenance Guideline Calculator (opens in a new window)
What would the Illinois maintenance guideline set, and for how long?
Shows the monthly maintenance the Illinois guideline formula produces from two incomes and the length of the marriage, and how long it would last.
2026 law · reviewed September 7, 2026
Exactly what your reader sees when they click the link.
Marital Share of a Pension in an Illinois Divorce (opens in a new window)
How much of a pension earned partly during the marriage does the former spouse receive?
Shows what share of a pension belongs to the marriage, and what the former spouse would receive from each monthly check.
2026 law · reviewed September 7, 2026
Exactly what your reader sees when they click the link.
Maintenance Buyout: Lump Sum or Monthly Payments? (opens in a new window)
Is a lump sum today worth more or less than the monthly maintenance it would replace?
Compares monthly maintenance payments with a one-time lump sum, at the rate of return you choose.
2026 law · reviewed September 7, 2026
Exactly what your reader sees when they click the link.
Estate and inheritance
Illinois Estate Tax Calculator (opens in a new window)
What would Illinois and the federal government each claim on a taxable estate?
Estimates the estate tax Illinois and the federal government would charge on what you leave behind.
2026 law · reviewed September 3, 2026
Exactly what your reader sees when they click the link.
Trust Income Tax Brackets (opens in a new window)
What does a trust pay on the income it keeps, and what would a beneficiary pay on the same dollars?
Shows how much federal income tax a trust pays on income it keeps, and how that compares with a person paying tax on the same money.
2026 law · reviewed September 4, 2026
Exactly what your reader sees when they click the link.
Inherited IRA Rules (opens in a new window)
Which rule applies to this inherited IRA, and by what year must it be empty?
Tells you which withdrawal rule applies to a retirement account you inherited, and by what year it must be empty.
2026 law · reviewed September 5, 2026
Exactly what your reader sees when they click the link.
Step-Up in Basis Calculator (opens in a new window)
What is the new basis after a spouse dies, and how much gain disappears?
Shows the new tax cost of an asset after a death, and how much profit is never taxed because of it.
2026 law · reviewed September 6, 2026
Exactly what your reader sees when they click the link.
Distribute or Retain? Trust Income Calculator (opens in a new window)
Is this year's trust income taxed cheaper in the trust or in the beneficiary's hands?
Compares the tax if a trust keeps this year's income with the tax if it pays the income out to the beneficiary.
2026 law · reviewed September 4, 2026
Exactly what your reader sees when they click the link.
Net Unrealized Appreciation Calculator (opens in a new window)
Should employer stock come out of the 401(k) with the NUA election, or roll over with everything else?
Compares the tax on taking company stock out of a 401(k) with a special election against rolling it into an IRA.
2026 law · reviewed September 6, 2026
Exactly what your reader sees when they click the link.
Gift Tax Return Checker (opens in a new window)
Does this gift need a gift tax return, and does it use up any of the lifetime exclusion?
Tells you whether a gift needs a gift tax return, and how much of it counts against your lifetime exclusion.
2026 law · reviewed September 6, 2026
Exactly what your reader sees when they click the link.
Portability Election Calculator (opens in a new window)
Should the first spouse's estate file a return just to carry the unused exclusion to the survivor?
Shows what filing an estate tax return at the first spouse's death, to carry over their unused exclusion, is worth to the survivor.
2026 law · reviewed September 6, 2026
Exactly what your reader sees when they click the link.
Inheritance in Trust or Outright: The Tax Drag (opens in a new window)
What does leaving an inheritance in a trust that keeps its income cost in tax, against leaving it outright?
Shows the yearly tax cost of leaving an inheritance in a trust that keeps its income, compared with leaving it outright to the heir.
2026 law · reviewed September 4, 2026
Exactly what your reader sees when they click the link.
Selling a business
QSBS Exclusion Calculator (opens in a new window)
How much of the gain on qualified small business stock is excluded, and what does the rest cost?
Shows how much profit from selling stock in a small company can be excluded from tax, and what the rest costs.
2026 law · reviewed September 6, 2026
Exactly what your reader sees when they click the link.
Installment Sale of a Business (opens in a new window)
If the buyer pays over several years, how is the gain taxed year by year, and what does that defer?
Shows the tax each year when a business is sold for a down payment and a note, and how much tax that pushes past the year of sale.
2026 law · reviewed September 7, 2026
Exactly what your reader sees when they click the link.
Asset Sale or Stock Sale? The Double Tax on a C Corporation (opens in a new window)
If the buyer wants the assets rather than the stock, what does the second layer of tax cost, and what price would make up for it?
Compares what you keep from selling your C corporation's assets against selling its stock, and shows the price that would make the two equal.
2026 law · reviewed September 7, 2026
Exactly what your reader sees when they click the link.
Purchase Price Allocation: What the Seller Keeps (opens in a new window)
Of the price for my business, how much is taxed as ordinary income, how much as capital gain, and what do I keep?
Splits the price of your business among its assets the way the tax form does, and shows the tax on each part and what you keep.
2026 law · reviewed September 7, 2026
Exactly what your reader sees when they click the link.
“Copy the link” copies a ready-made link for your own page. Paste it where a link goes; nothing to install. It opens the tool in a small window on our site, with the sources a click away. Nothing loads on your page but the link itself.
Add these calculators to your blog
Copy it, paste it into a new post, done. Nothing to install, nothing to maintain.
A ready-made post for your blog, with every calculator above.
This post carries every tool. Choose your kind of firm above to keep only the ones that fit.
Change the intro to your own words if you like.
- 1Open Posts, then Add New, and give the post a title.
- 2Add a Custom HTML block (type /html). In the classic editor, use the Code tab.
- 3Paste, preview, publish. Do this as an administrator.
Download as a file: · ·
All 66 tools are included. Change which ones
Saving while you work
Your house and your mortgage
Claiming Social Security
Taxes in retirement
Medicare, insurance, and long-term care
Divorce
Estate and inheritance
Selling a business
Terms. Cite any page, quote any figure with the year attached, or use the links above, with the attribution left as it is; add nofollow or any other attribute to the links if you like. No reciprocal link, ever. Each tool reads from one reviewed record; when the law moves, the record changes, a dated entry goes in its revision history, and the link you placed keeps working.
Built by Joshua Mangoubi, CFA, MBA. Joshua is a financial adviser who likes building things that help people think clearly about money. We hope these are useful to you and your clients. The tools are educational estimates from primary sources, not advice. Corrections are welcome through the contact page.