Calculators for the retirement questions employees bring to HR, built from this year's limits.
Eighteen tools: how much can I save, Roth or traditional, the pension or the lump sum, Medicare at 65 while still working, and the earnings test. Each opens in a small window on your site, with its sources and the date it was reviewed, in plain English. Free to place, nothing to maintain, no form. Each ends by telling the reader to talk with a professional who knows their whole situation.
All 18 tools
Saving while you work
How Much Can I Save This Year? (opens in a new window)
Adds up how much you can put into retirement and health savings accounts this year, at your age.
Roth or Traditional 401(k)? (opens in a new window)
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 (opens in a new window)
Works out how much of a Roth conversion is taxable when you also have other pre-tax IRAs.
Roth Five-Year Rule Calculator (opens in a new window)
Checks which of the Roth IRA five-year clocks have run and what a withdrawal would cost you today.
Estimated Tax Safe Harbor (opens in a new window)
Tells you how much tax you must pay in during the year to avoid the underpayment penalty, and how to close any gap.
How Much Life Insurance Do You Need? (opens in a new window)
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.
Your house and your mortgage
Cost of Living Estimator by ZIP Code (opens in a new window)
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.
Claiming Social Security
Social Security Claiming Calculator (opens in a new window)
Shows your Social Security benefit at every claiming age from 62 to 70 and what each adds up to over a lifetime.
Social Security Earnings Test Calculator (opens in a new window)
Shows how much Social Security holds back if you work while collecting early, and what you get back later.
Social Security Taxation Calculator (opens in a new window)
Works out how much of your Social Security benefit is taxed, based on your other income.
Taxes in retirement
Pension or Lump Sum? (opens in a new window)
Compares taking a pension as monthly checks for life with taking the lump sum offered instead.
The Retirement Numbers (opens in a new window)
Puts this year's retirement figures in one place, each with the government release that set it.
Your Retirement Timeline (opens in a new window)
Turns your birth month into the dates of every age-based retirement rule that applies to you.
Will My Money Last? (opens in a new window)
Projects whether your savings will last, year by year, at the spending and assumptions you choose.
72(t) Payments Calculator (opens in a new window)
Computes the yearly withdrawal you can take from a retirement account before 59½ without the early-withdrawal penalty.
Medicare, insurance, and long-term care
Medicare Enrollment Window (opens in a new window)
Dates your Medicare sign-up window to your birth month and shows what a late sign-up costs for life.
Divorce
Marital Share of a Pension in an Illinois Divorce (opens in a new window)
Shows what share of a pension belongs to the marriage, and what the former spouse would receive from each monthly check.
Estate and inheritance
Net Unrealized Appreciation Calculator (opens in a new window)
Compares the tax on taking company stock out of a 401(k) with a special election against rolling it into an IRA.
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.
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 18 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
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.