Thirty-seven retirement calculators for your website.
Roth conversion room, the real marginal rate, required distributions, the Medicare surcharge, Social Security taxation, and the sale of a business. Each opens in a small window on your site, with its sources and the date it was reviewed, in plain English. No account needed. Each ends by telling the reader to talk with a professional who knows their whole situation. No account needed.
Put these on your siteTry it: Roth Conversion Room Calculator (opens in a new window)
Where a link goes
- Your client newsletter in the run-up to year end.
- The tax-planning page, beside the year's figures.
- The email that goes out with the organizer.
Paste it into an article, a resources page, or an email. The calculator stays here, kept current. Every tool below has its link ready; choose once whether copied links open the minimalist window or the full page.
Set it up at your desk: Email this page to yourselfText it to yourself
All 37 tools
Saving while you work
Roth or Traditional 401(k)?
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.
Backdoor Roth Pro-Rata Calculator
Works out how much of a Roth conversion is taxable when you also have other pre-tax IRAs.
Roth Five-Year Rule Calculator
Checks which of the Roth IRA five-year clocks have run and what a withdrawal would cost you today.
Estimated Tax Safe Harbor
Tells you how much tax you must pay in during the year to avoid the underpayment penalty, and how to close any gap.
Employee Stock Purchase Plan (ESPP) Calculator
Shows what the shares you bought through your company's stock purchase plan are worth after tax, sold now or after the qualifying date.
Your house and your mortgage
Home Sale Exclusion for a Surviving Spouse
Shows how much profit a surviving spouse can sell the house for without tax, and how the answer changes after two years.
Home Sale Exclusion After Renting It Out
Shows how much of the profit on your home is still tax-free when the home was rented out before you lived in it.
Claiming Social Security
Taxes in retirement
Roth Conversion Room Calculator
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.
Real Marginal Rate Calculator
Shows what one more withdrawal really costs in tax, once Social Security and Medicare react to it.
IRMAA Calculator
Finds the Medicare premium tier your income lands in and what it costs for the year.
The Retirement Numbers
Puts this year's retirement figures in one place, each with the government release that set it.
Roth Conversion Ladder Planner
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.
RMD Calculator
Computes the withdrawal the law requires from your retirement account this year and projects the next ten years.
First RMD Timing Calculator
Compares taking your first required withdrawal in its own year with delaying it to April 1 and taking two the following year.
72(t) Payments Calculator
Computes the yearly withdrawal you can take from a retirement account before 59½ without the early-withdrawal penalty.
Capital Gains Harvesting Room
Shows how much investment gain you can take this year at a zero percent tax rate, and what a larger gain costs.
Capital Gains and Your Tax Rate
Shows the tax rate on your next dollar of gain and on your next dollar of ordinary income, and which one pushes the other.
QCD or Cash Gift?
Compares giving to charity by writing a check with giving straight from an IRA, and shows which saves more.
Charitable Bunching Calculator
Compares giving to charity a little every year with giving several years' worth at once, to see which saves more tax.
Illinois Retirement Income Tax
Computes the Illinois income tax on a retirement income, showing what Illinois leaves alone and what it taxes.
IRMAA Appeal Checker
Checks whether you can ask Medicare to base your premium on this year's income instead of a return from two years ago.
Widow's Penalty Calculator
Shows how much more federal tax a surviving spouse pays on the same household income after the joint return ends.
Divorce
Dividing Retirement Accounts in Divorce
Shows what each spouse's share of the retirement and investment accounts is worth after tax, at each spouse's own tax rate.
Estate and inheritance
Illinois Estate Tax Calculator
Estimates the estate tax Illinois and the federal government would charge on what you leave behind.
Portability Election Calculator
Shows what filing an estate tax return at the first spouse's death, to carry over their unused exclusion, is worth to the survivor.
Gift Tax Return Checker
Tells you whether a gift needs a gift tax return, and how much of it counts against your lifetime exclusion.
Step-Up in Basis Calculator
Shows the new tax cost of an asset after a death, and how much profit is never taxed because of it.
Inherited IRA Rules
Tells you which withdrawal rule applies to a retirement account you inherited, and by what year it must be empty.
Trust Income Tax Brackets
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.
Distribute or Retain? Trust Income Calculator
Compares the tax if a trust keeps this year's income with the tax if it pays the income out to the beneficiary.
Inheritance in Trust or Outright: The Tax Drag
Shows the yearly tax cost of leaving an inheritance in a trust that keeps its income, compared with leaving it outright to the heir.
Net Unrealized Appreciation Calculator
Compares the tax on taking company stock out of a 401(k) with a special election against rolling it into an IRA.
Selling a business
QSBS Exclusion Calculator
Shows how much profit from selling stock in a small company can be excluded from tax, and what the rest costs.
Installment Sale of a Business
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.
Asset Sale or Stock Sale? The Double Tax on a C Corporation
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.
Purchase Price Allocation: What the Seller Keeps
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.
Or take the whole set as one post
One post with the calculators above. Paste it into a new post as it is, or rewrite the introduction in your voice.
A ready-made post for your blog, with 3 of the calculators above.
Make the introduction your own. Adapt the post as you like; we keep the calculators up to date.
Filled in, the first sentence of the post is yours: “At your firm, these calculators show the arithmetic behind the questions we hear most.”
- 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.
On a phone? Email this page to yourselfText it to yourself
Download as a file: · ·
3 of 37 tools are included. Change which ones
Saving while you work
Your house and your mortgage
Claiming Social Security
Taxes in retirement
Divorce
Estate and inheritance
Selling a business
Why firms put these on their sites
- It ends with you
- Every tool closes by telling the reader to talk with a professional who knows their whole situation. The reader is on your site, so the next step is your door.
- Something to do, not just read
- A visitor who runs their own numbers stays longer than one who reads, and the number they get is the question they bring to you. Every figure traces to a statute, regulation, or agency release, and when the law moves, it changes here.
- 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; add nofollow or any other attribute to the links if you like. No reciprocal link, ever. All 19 professional shelves.