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Quiet tools · For CPAs and tax practices

Give your website thirty-five calculators clients will use, and a reason to call you before they act.

Roth conversion room, the real marginal rate, required distributions, the Medicare surcharge, Social Security taxation, and the sale of a business, each from the code and the year's figures. Each ends by telling the reader to talk with a professional who knows their whole situation.

35 tools for CPAs and tax practices. Each link opens a calculator in a small window on your site. Your visitor runs their own numbers, sees what the rules say, and reads the line every tool ends with: talk with a professional who knows your whole situation. On your site, that professional is you.

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<ul class="cc-quiet-tools">
  <li><a href="https://consideratecapital.com/embed/roth-conversion-room?via=cpa" target="_blank" rel="noopener" onclick="window.open(this.href,'cc-tool','scrollbars=yes,resizable=yes,left='+((screen.width-780)/2)+',top='+((screen.height-900)/2)+',width=780,height=900');return false;">Roth Conversion Room Calculator</a> <span>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.</span></li>
  <li><a href="https://consideratecapital.com/embed/real-marginal-rate-calculator?via=cpa" target="_blank" rel="noopener" onclick="window.open(this.href,'cc-tool','scrollbars=yes,resizable=yes,left='+((screen.width-780)/2)+',top='+((screen.height-900)/2)+',width=780,height=900');return false;">Real Marginal Rate Calculator</a> <span>Shows what one more withdrawal really costs in tax, once Social Security and Medicare react to it.</span></li>
  <li><a href="https://consideratecapital.com/embed/irmaa-calculator?via=cpa" target="_blank" rel="noopener" onclick="window.open(this.href,'cc-tool','scrollbars=yes,resizable=yes,left='+((screen.width-780)/2)+',top='+((screen.height-760)/2)+',width=780,height=760');return false;">IRMAA Calculator</a> <span>Finds the Medicare premium tier your income lands in and what it costs for the year.</span></li>
  <li><a href="https://consideratecapital.com/embed/roth-or-traditional-401k?via=cpa" target="_blank" rel="noopener" onclick="window.open(this.href,'cc-tool','scrollbars=yes,resizable=yes,left='+((screen.width-780)/2)+',top='+((screen.height-900)/2)+',width=780,height=900');return false;">Roth or Traditional 401(k)?</a> <span>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.</span></li>
  <li><a href="https://consideratecapital.com/embed/backdoor-roth-pro-rata?via=cpa" target="_blank" rel="noopener" onclick="window.open(this.href,'cc-tool','scrollbars=yes,resizable=yes,left='+((screen.width-780)/2)+',top='+((screen.height-880)/2)+',width=780,height=880');return false;">Backdoor Roth Pro-Rata Calculator</a> <span>Works out how much of a Roth conversion is taxable when you also have other pre-tax IRAs.</span></li>
  <li><a href="https://consideratecapital.com/embed/roth-five-year-rule?via=cpa" target="_blank" rel="noopener" onclick="window.open(this.href,'cc-tool','scrollbars=yes,resizable=yes,left='+((screen.width-780)/2)+',top='+((screen.height-900)/2)+',width=780,height=900');return false;">Roth Five-Year Rule Calculator</a> <span>Checks which of the Roth IRA five-year clocks have run and what a withdrawal would cost you today.</span></li>
  <li><a href="https://consideratecapital.com/embed/estimated-tax-safe-harbor?via=cpa" target="_blank" rel="noopener" onclick="window.open(this.href,'cc-tool','scrollbars=yes,resizable=yes,left='+((screen.width-780)/2)+',top='+((screen.height-880)/2)+',width=780,height=880');return false;">Estimated Tax Safe Harbor</a> <span>Tells you how much tax you must pay in during the year to avoid the underpayment penalty, and how to close any gap.</span></li>
  <li><a href="https://consideratecapital.com/embed/home-sale-exclusion-surviving-spouse?via=cpa" target="_blank" rel="noopener" onclick="window.open(this.href,'cc-tool','scrollbars=yes,resizable=yes,left='+((screen.width-780)/2)+',top='+((screen.height-900)/2)+',width=780,height=900');return false;">Home Sale Exclusion for a Surviving Spouse</a> <span>Shows how much profit a surviving spouse can sell the house for without tax, and how the answer changes after two years.</span></li>
  <li><a href="https://consideratecapital.com/embed/home-sale-exclusion-after-renting?via=cpa" target="_blank" rel="noopener" onclick="window.open(this.href,'cc-tool','scrollbars=yes,resizable=yes,left='+((screen.width-780)/2)+',top='+((screen.height-900)/2)+',width=780,height=900');return false;">Home Sale Exclusion After Renting It Out</a> <span>Shows how much of the profit on your home is still tax-free when the home was rented out before you lived in it.</span></li>
  <li><a href="https://consideratecapital.com/embed/social-security-taxation-calculator?via=cpa" target="_blank" rel="noopener" onclick="window.open(this.href,'cc-tool','scrollbars=yes,resizable=yes,left='+((screen.width-780)/2)+',top='+((screen.height-880)/2)+',width=780,height=880');return false;">Social Security Taxation Calculator</a> <span>Works out how much of your Social Security benefit is taxed, based on your other income.</span></li>
  <li><a href="https://consideratecapital.com/embed/retirement-numbers?via=cpa" target="_blank" rel="noopener" onclick="window.open(this.href,'cc-tool','scrollbars=yes,resizable=yes,left='+((screen.width-780)/2)+',top='+((screen.height-840)/2)+',width=780,height=840');return false;">The Retirement Numbers</a> <span>Puts this year's retirement figures in one place, each with the government release that set it.</span></li>
  <li><a href="https://consideratecapital.com/embed/roth-conversion-ladder?via=cpa" target="_blank" rel="noopener" onclick="window.open(this.href,'cc-tool','scrollbars=yes,resizable=yes,left='+((screen.width-780)/2)+',top='+((screen.height-900)/2)+',width=780,height=900');return false;">Roth Conversion Ladder Planner</a> <span>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.</span></li>
  <li><a href="https://consideratecapital.com/embed/rmd-calculator?via=cpa" target="_blank" rel="noopener" onclick="window.open(this.href,'cc-tool','scrollbars=yes,resizable=yes,left='+((screen.width-780)/2)+',top='+((screen.height-900)/2)+',width=780,height=900');return false;">RMD Calculator</a> <span>Computes the withdrawal the law requires from your retirement account this year and projects the next ten years.</span></li>
  <li><a href="https://consideratecapital.com/embed/first-rmd-timing?via=cpa" target="_blank" rel="noopener" onclick="window.open(this.href,'cc-tool','scrollbars=yes,resizable=yes,left='+((screen.width-780)/2)+',top='+((screen.height-900)/2)+',width=780,height=900');return false;">First RMD Timing Calculator</a> <span>Compares taking your first required withdrawal in its own year with delaying it to April 1 and taking two the following year.</span></li>
  <li><a href="https://consideratecapital.com/embed/72t-payments-calculator?via=cpa" target="_blank" rel="noopener" onclick="window.open(this.href,'cc-tool','scrollbars=yes,resizable=yes,left='+((screen.width-780)/2)+',top='+((screen.height-900)/2)+',width=780,height=900');return false;">72(t) Payments Calculator</a> <span>Computes the yearly withdrawal you can take from a retirement account before 59½ without the early-withdrawal penalty.</span></li>
  <li><a href="https://consideratecapital.com/embed/capital-gains-harvesting-room?via=cpa" target="_blank" rel="noopener" onclick="window.open(this.href,'cc-tool','scrollbars=yes,resizable=yes,left='+((screen.width-780)/2)+',top='+((screen.height-900)/2)+',width=780,height=900');return false;">Capital Gains Harvesting Room</a> <span>Shows how much investment gain you can take this year at a zero percent tax rate, and what a larger gain costs.</span></li>
  <li><a href="https://consideratecapital.com/embed/qcd-or-cash-gift?via=cpa" target="_blank" rel="noopener" onclick="window.open(this.href,'cc-tool','scrollbars=yes,resizable=yes,left='+((screen.width-780)/2)+',top='+((screen.height-900)/2)+',width=780,height=900');return false;">QCD or Cash Gift?</a> <span>Compares giving to charity by writing a check with giving straight from an IRA, and shows which saves more.</span></li>
  <li><a href="https://consideratecapital.com/embed/charitable-bunching-calculator?via=cpa" target="_blank" rel="noopener" onclick="window.open(this.href,'cc-tool','scrollbars=yes,resizable=yes,left='+((screen.width-780)/2)+',top='+((screen.height-900)/2)+',width=780,height=900');return false;">Charitable Bunching Calculator</a> <span>Compares giving to charity a little every year with giving several years' worth at once, to see which saves more tax.</span></li>
  <li><a href="https://consideratecapital.com/embed/illinois-retirement-income-tax?via=cpa" target="_blank" rel="noopener" onclick="window.open(this.href,'cc-tool','scrollbars=yes,resizable=yes,left='+((screen.width-780)/2)+',top='+((screen.height-880)/2)+',width=780,height=880');return false;">Illinois Retirement Income Tax</a> <span>Computes the Illinois income tax on a retirement income, showing what Illinois leaves alone and what it taxes.</span></li>
  <li><a href="https://consideratecapital.com/embed/irmaa-appeal-checker?via=cpa" target="_blank" rel="noopener" onclick="window.open(this.href,'cc-tool','scrollbars=yes,resizable=yes,left='+((screen.width-780)/2)+',top='+((screen.height-900)/2)+',width=780,height=900');return false;">IRMAA Appeal Checker</a> <span>Checks whether you can ask Medicare to base your premium on this year's income instead of a return from two years ago.</span></li>
  <li><a href="https://consideratecapital.com/embed/widows-penalty-calculator?via=cpa" target="_blank" rel="noopener" onclick="window.open(this.href,'cc-tool','scrollbars=yes,resizable=yes,left='+((screen.width-780)/2)+',top='+((screen.height-900)/2)+',width=780,height=900');return false;">Widow's Penalty Calculator</a> <span>Shows how much more federal tax a surviving spouse pays on the same household income after the joint return ends.</span></li>
  <li><a href="https://consideratecapital.com/embed/dividing-retirement-accounts-in-divorce?via=cpa" target="_blank" rel="noopener" onclick="window.open(this.href,'cc-tool','scrollbars=yes,resizable=yes,left='+((screen.width-780)/2)+',top='+((screen.height-900)/2)+',width=780,height=900');return false;">Dividing Retirement Accounts in Divorce</a> <span>Shows what each spouse's share of the retirement and investment accounts is worth after tax, at each spouse's own tax rate.</span></li>
  <li><a href="https://consideratecapital.com/embed/illinois-estate-tax-calculator?via=cpa" target="_blank" rel="noopener" onclick="window.open(this.href,'cc-tool','scrollbars=yes,resizable=yes,left='+((screen.width-780)/2)+',top='+((screen.height-900)/2)+',width=780,height=900');return false;">Illinois Estate Tax Calculator</a> <span>Estimates the estate tax Illinois and the federal government would charge on what you leave behind.</span></li>
  <li><a href="https://consideratecapital.com/embed/portability-election-calculator?via=cpa" target="_blank" rel="noopener" onclick="window.open(this.href,'cc-tool','scrollbars=yes,resizable=yes,left='+((screen.width-780)/2)+',top='+((screen.height-900)/2)+',width=780,height=900');return false;">Portability Election Calculator</a> <span>Shows what filing an estate tax return at the first spouse's death, to carry over their unused exclusion, is worth to the survivor.</span></li>
  <li><a href="https://consideratecapital.com/embed/gift-tax-return-checker?via=cpa" target="_blank" rel="noopener" onclick="window.open(this.href,'cc-tool','scrollbars=yes,resizable=yes,left='+((screen.width-780)/2)+',top='+((screen.height-880)/2)+',width=780,height=880');return false;">Gift Tax Return Checker</a> <span>Tells you whether a gift needs a gift tax return, and how much of it counts against your lifetime exclusion.</span></li>
  <li><a href="https://consideratecapital.com/embed/step-up-in-basis-calculator?via=cpa" target="_blank" rel="noopener" onclick="window.open(this.href,'cc-tool','scrollbars=yes,resizable=yes,left='+((screen.width-780)/2)+',top='+((screen.height-900)/2)+',width=780,height=900');return false;">Step-Up in Basis Calculator</a> <span>Shows the new tax cost of an asset after a death, and how much profit is never taxed because of it.</span></li>
  <li><a href="https://consideratecapital.com/embed/inherited-ira-rules?via=cpa" target="_blank" rel="noopener" onclick="window.open(this.href,'cc-tool','scrollbars=yes,resizable=yes,left='+((screen.width-780)/2)+',top='+((screen.height-880)/2)+',width=780,height=880');return false;">Inherited IRA Rules</a> <span>Tells you which withdrawal rule applies to a retirement account you inherited, and by what year it must be empty.</span></li>
  <li><a href="https://consideratecapital.com/embed/trust-income-tax-brackets?via=cpa" target="_blank" rel="noopener" onclick="window.open(this.href,'cc-tool','scrollbars=yes,resizable=yes,left='+((screen.width-780)/2)+',top='+((screen.height-740)/2)+',width=780,height=740');return false;">Trust Income Tax Brackets</a> <span>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.</span></li>
  <li><a href="https://consideratecapital.com/embed/trust-distribute-or-retain?via=cpa" target="_blank" rel="noopener" onclick="window.open(this.href,'cc-tool','scrollbars=yes,resizable=yes,left='+((screen.width-780)/2)+',top='+((screen.height-900)/2)+',width=780,height=900');return false;">Distribute or Retain? Trust Income Calculator</a> <span>Compares the tax if a trust keeps this year's income with the tax if it pays the income out to the beneficiary.</span></li>
  <li><a href="https://consideratecapital.com/embed/inheritance-in-trust-or-outright?via=cpa" target="_blank" rel="noopener" onclick="window.open(this.href,'cc-tool','scrollbars=yes,resizable=yes,left='+((screen.width-780)/2)+',top='+((screen.height-900)/2)+',width=780,height=900');return false;">Inheritance in Trust or Outright: The Tax Drag</a> <span>Shows the yearly tax cost of leaving an inheritance in a trust that keeps its income, compared with leaving it outright to the heir.</span></li>
  <li><a href="https://consideratecapital.com/embed/nua-calculator?via=cpa" target="_blank" rel="noopener" onclick="window.open(this.href,'cc-tool','scrollbars=yes,resizable=yes,left='+((screen.width-780)/2)+',top='+((screen.height-900)/2)+',width=780,height=900');return false;">Net Unrealized Appreciation Calculator</a> <span>Compares the tax on taking company stock out of a 401(k) with a special election against rolling it into an IRA.</span></li>
  <li><a href="https://consideratecapital.com/embed/qsbs-exclusion-calculator?via=cpa" target="_blank" rel="noopener" onclick="window.open(this.href,'cc-tool','scrollbars=yes,resizable=yes,left='+((screen.width-780)/2)+',top='+((screen.height-900)/2)+',width=780,height=900');return false;">QSBS Exclusion Calculator</a> <span>Shows how much profit from selling stock in a small company can be excluded from tax, and what the rest costs.</span></li>
  <li><a href="https://consideratecapital.com/embed/installment-sale-calculator?via=cpa" target="_blank" rel="noopener" onclick="window.open(this.href,'cc-tool','scrollbars=yes,resizable=yes,left='+((screen.width-780)/2)+',top='+((screen.height-900)/2)+',width=780,height=900');return false;">Installment Sale of a Business</a> <span>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.</span></li>
  <li><a href="https://consideratecapital.com/embed/asset-sale-or-stock-sale?via=cpa" target="_blank" rel="noopener" onclick="window.open(this.href,'cc-tool','scrollbars=yes,resizable=yes,left='+((screen.width-780)/2)+',top='+((screen.height-900)/2)+',width=780,height=900');return false;">Asset Sale or Stock Sale? The Double Tax on a C Corporation</a> <span>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.</span></li>
  <li><a href="https://consideratecapital.com/embed/purchase-price-allocation?via=cpa" target="_blank" rel="noopener" onclick="window.open(this.href,'cc-tool','scrollbars=yes,resizable=yes,left='+((screen.width-780)/2)+',top='+((screen.height-900)/2)+',width=780,height=900');return false;">Purchase Price Allocation: What the Seller Keeps</a> <span>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.</span></li>
</ul>
<p class="cc-quiet-tools-note">Calculators from <a href="https://consideratecapital.com/tools?via=cpa">Considerate Capital</a>. Educational estimates from the public rules, not advice; each opens in its own window with the sources and terms.</p>

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In plain words
Every tool opens with a plain-English line on what it does and where it stops, so visitors use it without help and know its limits.

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.

Terms. Cite any page, quote any figure with the year attached, or use the links above with the attribution left as it is. No reciprocal link, ever. All 19 professional shelves.