Give your benefits page something employees will use, and better questions when they do come to HR.
How much can I save, Roth or traditional, the pension or the lump sum, Medicare at 65 while still working, and the earnings test. Educational tools you can link from the benefits page, each ending with the advice to talk with a professional.
17 tools for employers and benefits teams. 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.
The link opens this window on your reader's screen, from our site. Nothing loads on your page but the link.
All 17 tools
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.
Pension or Lump Sum?
Compares taking a pension as monthly checks for life with taking the lump sum offered instead.
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.
How Much Life Insurance Do You Need?
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.
Social Security Claiming Calculator
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
Shows how much Social Security holds back if you work while collecting early, and what you get back later.
Social Security Taxation Calculator
Works out how much of your Social Security benefit is taxed, based on your other income.
The Retirement Numbers
Puts this year's retirement figures in one place, each with the government release that set it.
Your Retirement Timeline
Turns your birth month into the dates of every age-based retirement rule that applies to you.
Will My Money Last?
Projects whether your savings will last, year by year, at the spending and assumptions you choose.
72(t) Payments Calculator
Computes the yearly withdrawal you can take from a retirement account before 59½ without the early-withdrawal penalty.
Medicare Enrollment Window
Dates your Medicare sign-up window to your birth month and shows what a late sign-up costs for life.
Marital Share of a Pension in an Illinois Divorce
Shows what share of a pension belongs to the marriage, and what the former spouse would receive from each monthly check.
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.
Put the whole shelf on your site
One snippet, every tool above, each opening in a small window over your page. Copy it and paste it where your site takes HTML.
What it looks like on your page
Your reader stays on your site. Each link opens the calculator in a small window with its sources and one line saying who built it. No site around it, no pitch. Try one below.
- How Much Can I Save This Year? Adds up how much you can put into retirement and health savings accounts this year, at your age.
- 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.
- Pension or Lump Sum? Compares taking a pension as monthly checks for life with taking the lump sum offered instead.
- 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.
- How Much Life Insurance Do You Need? 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.
- Social Security Claiming Calculator 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 Shows how much Social Security holds back if you work while collecting early, and what you get back later.
- Social Security Taxation Calculator Works out how much of your Social Security benefit is taxed, based on your other income.
- The Retirement Numbers Puts this year's retirement figures in one place, each with the government release that set it.
- Your Retirement Timeline Turns your birth month into the dates of every age-based retirement rule that applies to you.
- Will My Money Last? Projects whether your savings will last, year by year, at the spending and assumptions you choose.
- 72(t) Payments Calculator Computes the yearly withdrawal you can take from a retirement account before 59½ without the early-withdrawal penalty.
- Medicare Enrollment Window Dates your Medicare sign-up window to your birth month and shows what a late sign-up costs for life.
- Marital Share of a Pension in an Illinois Divorce Shows what share of a pension belongs to the marriage, and what the former spouse would receive from each monthly check.
- 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.
Calculators from Considerate Capital. Educational estimates from the public rules, not advice; each opens in its own window with the sources and terms.
Prefer links to the full pages instead? Writers and nonprofits sometimes do. .
Paste it where your site takes HTML. In WordPress, that is a Custom HTML block. Nothing to install, and every link is tagged for your kind of firm.
All 17 tools are included. Change which ones
With every tool included, the shelf keeps itself current: a tool added for your kind of firm appears on its own. Untick any to pin the list to what you pasted.
See the code
<ul class="cc-quiet-tools"> <li><a href="https://consideratecapital.com/embed/how-much-can-i-save?via=employer-hr" 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;">How Much Can I Save This Year?</a> <span>Adds up how much you can put into retirement and health savings accounts this year, at your age.</span></li> <li><a href="https://consideratecapital.com/embed/roth-or-traditional-401k?via=employer-hr" 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/pension-or-lump-sum?via=employer-hr" 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;">Pension or Lump Sum?</a> <span>Compares taking a pension as monthly checks for life with taking the lump sum offered instead.</span></li> <li><a href="https://consideratecapital.com/embed/backdoor-roth-pro-rata?via=employer-hr" 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=employer-hr" 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=employer-hr" 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/how-much-life-insurance?via=employer-hr" 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;">How Much Life Insurance Do You Need?</a> <span>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.</span></li> <li><a href="https://consideratecapital.com/embed/social-security-claiming-calculator?via=employer-hr" 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;">Social Security Claiming Calculator</a> <span>Shows your Social Security benefit at every claiming age from 62 to 70 and what each adds up to over a lifetime.</span></li> <li><a href="https://consideratecapital.com/embed/social-security-earnings-test?via=employer-hr" 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;">Social Security Earnings Test Calculator</a> <span>Shows how much Social Security holds back if you work while collecting early, and what you get back later.</span></li> <li><a href="https://consideratecapital.com/embed/social-security-taxation-calculator?via=employer-hr" 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=employer-hr" 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/retirement-timeline?via=employer-hr" 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;">Your Retirement Timeline</a> <span>Turns your birth month into the dates of every age-based retirement rule that applies to you.</span></li> <li><a href="https://consideratecapital.com/embed/will-my-money-last?via=employer-hr" 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;">Will My Money Last?</a> <span>Projects whether your savings will last, year by year, at the spending and assumptions you choose.</span></li> <li><a href="https://consideratecapital.com/embed/72t-payments-calculator?via=employer-hr" 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/medicare-enrollment-window?via=employer-hr" 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;">Medicare Enrollment Window</a> <span>Dates your Medicare sign-up window to your birth month and shows what a late sign-up costs for life.</span></li> <li><a href="https://consideratecapital.com/embed/marital-share-of-a-pension?via=employer-hr" 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;">Marital Share of a Pension in an Illinois Divorce</a> <span>Shows what share of a pension belongs to the marriage, and what the former spouse would receive from each monthly check.</span></li> <li><a href="https://consideratecapital.com/embed/nua-calculator?via=employer-hr" 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> </ul> <p class="cc-quiet-tools-note">Calculators from <a href="https://consideratecapital.com/tools?via=employer-hr">Considerate Capital</a>. Educational estimates from the public rules, not advice; each opens in its own window with the sources and terms.</p>
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. No reciprocal link, ever. All 19 professional shelves.