Thirty-five retirement tax calculators, built from the statute.
Roth conversions, the widow's penalty, the real marginal rate, Social Security timing, and the estate tax. 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 35 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.
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.
Your house and your mortgage
Sell or Keep the House? (opens in a new window)
Compares staying in your house with selling it and renting, year by year, at the costs and returns you expect.
How Much Umbrella Coverage Do You Need? (opens in a new window)
Sizes an umbrella liability policy from what a lawsuit could reach: your net worth outside retirement accounts plus a share of your future income, less what your auto and home policies already cover.
Claiming Social Security
Survivor Benefit Timing Calculator (opens in a new window)
Helps a widow or widower choose which Social Security benefit to take first, and when to switch.
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 Break-Even Calculator (opens in a new window)
Finds the age at which waiting to start Social Security pays off, including what the early checks could have earned.
Social Security Spousal Benefit Calculator (opens in a new window)
Shows how much Social Security a spouse can collect on the other spouse's work record, at each claiming age.
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
Roth Conversion Ladder Planner (opens in a new window)
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.
Widow's Penalty Calculator (opens in a new window)
Shows how much more federal tax a surviving spouse pays on the same household income after the joint return ends.
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.
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.
Real Marginal Rate Calculator (opens in a new window)
Shows what one more withdrawal really costs in tax, once Social Security and Medicare react to it.
Roth Conversion Room Calculator (opens in a new window)
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.
RMD Calculator (opens in a new window)
Computes the withdrawal the law requires from your retirement account this year and projects the next ten years.
First RMD Timing Calculator (opens in a new window)
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 (opens in a new window)
Computes the yearly withdrawal you can take from a retirement account before 59½ without the early-withdrawal penalty.
Capital Gains Harvesting Room (opens in a new window)
Shows how much investment gain you can take this year at a zero percent tax rate, and what a larger gain costs.
QCD or Cash Gift? (opens in a new window)
Compares giving to charity by writing a check with giving straight from an IRA, and shows which saves more.
Charitable Bunching Calculator (opens in a new window)
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 (opens in a new window)
Computes the Illinois income tax on a retirement income, showing what Illinois leaves alone and what it taxes.
IRMAA Calculator (opens in a new window)
Finds the Medicare premium tier your income lands in and what it costs for the year.
IRMAA Appeal Checker (opens in a new window)
Checks whether you can ask Medicare to base your premium on this year's income instead of a return from two years ago.
Medicare, insurance, and long-term care
Long-Term Care Cost Projection (opens in a new window)
Projects what a period of long-term care could cost by the time you need it, and what set aside today would cover it.
Estate and inheritance
Illinois Estate Tax Calculator (opens in a new window)
Estimates the estate tax Illinois and the federal government would charge on what you leave behind.
Portability Election Calculator (opens in a new window)
Shows what filing an estate tax return at the first spouse's death, to carry over their unused exclusion, is worth to the survivor.
Step-Up in Basis Calculator (opens in a new window)
Shows the new tax cost of an asset after a death, and how much profit is never taxed because of it.
Inherited IRA Rules (opens in a new window)
Tells you which withdrawal rule applies to a retirement account you inherited, and by what year it must be empty.
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 35 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
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.