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Roth or traditional, pay off the mortgage or invest, how much life insurance, and how much can be saved this year. Neutral tools your readers run themselves, each ending with the advice to talk with a professional.
16 tools for financial planners and coaches. 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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All 16 tools
Pay Off the Mortgage or Invest?
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.
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.
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.
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.
Refinance Break-Even: When the New Loan Pays for Itself
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.
15-Year or 30-Year Mortgage?
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.
Should You Buy Points? The Break-Even on a Rate Buydown
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.
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.
Raise the Deductible? The Break-Even
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.
Will My Money Last?
Projects whether your savings will last, year by year, at the spending and assumptions you choose.
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.
Gift Tax Return Checker
Tells you whether a gift needs a gift tax return, and how much of it counts against your lifetime exclusion.
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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.
- 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.
- Pay Off the Mortgage or Invest? 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.
- 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.
- 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.
- 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.
- Refinance Break-Even: When the New Loan Pays for Itself 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.
- 15-Year or 30-Year Mortgage? 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.
- Should You Buy Points? The Break-Even on a Rate Buydown 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.
- 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.
- Raise the Deductible? The Break-Even 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.
- Will My Money Last? Projects whether your savings will last, year by year, at the spending and assumptions you choose.
- 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.
- Gift Tax Return Checker Tells you whether a gift needs a gift tax return, and how much of it counts against your lifetime exclusion.
Calculators from Considerate Capital. Educational estimates from the public rules, not advice; each opens in its own window with the sources and terms.
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<ul class="cc-quiet-tools"> <li><a href="https://consideratecapital.com/embed/roth-or-traditional-401k?via=advisor-mass-other" 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/pay-off-mortgage-or-invest?via=advisor-mass-other" 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;">Pay Off the Mortgage or Invest?</a> <span>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.</span></li> <li><a href="https://consideratecapital.com/embed/how-much-life-insurance?via=advisor-mass-other" 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/how-much-can-i-save?via=advisor-mass-other" 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/backdoor-roth-pro-rata?via=advisor-mass-other" 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=advisor-mass-other" 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=advisor-mass-other" 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/refinance-break-even?via=advisor-mass-other" 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;">Refinance Break-Even: When the New Loan Pays for Itself</a> <span>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.</span></li> <li><a href="https://consideratecapital.com/embed/15-or-30-year-mortgage?via=advisor-mass-other" 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;">15-Year or 30-Year Mortgage?</a> <span>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.</span></li> <li><a href="https://consideratecapital.com/embed/mortgage-points-calculator?via=advisor-mass-other" 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;">Should You Buy Points? The Break-Even on a Rate Buydown</a> <span>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.</span></li> <li><a href="https://consideratecapital.com/embed/home-sale-exclusion-surviving-spouse?via=advisor-mass-other" 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=advisor-mass-other" 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/raise-the-deductible?via=advisor-mass-other" 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;">Raise the Deductible? The Break-Even</a> <span>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.</span></li> <li><a href="https://consideratecapital.com/embed/will-my-money-last?via=advisor-mass-other" 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/capital-gains-harvesting-room?via=advisor-mass-other" 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/gift-tax-return-checker?via=advisor-mass-other" 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> </ul> <p class="cc-quiet-tools-note">Calculators from <a href="https://consideratecapital.com/tools?via=advisor-mass-other">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.