Quiet tools · For wealth managers
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Roth conversions, the widow's penalty, the real marginal rate, Social Security timing, and the estate tax, each from the statute with the sources on the page. Each ends by sending the reader to a professional who knows their whole situation.
35 tools for wealth managers. 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 35 tools
Widow's Penalty Calculator
Shows how much more federal tax a surviving spouse pays on the same household income after the joint return ends.
Survivor Benefit Timing Calculator
Helps a widow or widower choose which Social Security benefit to take first, and when to switch.
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.
Sell or Keep the House?
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?
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.
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 Break-Even Calculator
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
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
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.
Pension or Lump Sum?
Compares taking a pension as monthly checks for life with taking the lump sum offered instead.
Real Marginal Rate Calculator
Shows what one more withdrawal really costs in tax, once Social Security and Medicare react to it.
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.
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.
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 Calculator
Finds the Medicare premium tier your income lands in and what it costs for the year.
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.
Long-Term Care Cost Projection
Projects what a period of long-term care could cost by the time you need it, and what set aside today would cover it.
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.
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.
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.
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- 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.
- Widow's Penalty Calculator Shows how much more federal tax a surviving spouse pays on the same household income after the joint return ends.
- Survivor Benefit Timing Calculator Helps a widow or widower choose which Social Security benefit to take first, and when to switch.
- 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.
- Sell or Keep the House? 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? 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.
- 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 Break-Even Calculator 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 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 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.
- Pension or Lump Sum? Compares taking a pension as monthly checks for life with taking the lump sum offered instead.
- Real Marginal Rate Calculator Shows what one more withdrawal really costs in tax, once Social Security and Medicare react to it.
- 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.
- 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.
- 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 Calculator Finds the Medicare premium tier your income lands in and what it costs for the year.
- 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.
- Long-Term Care Cost Projection Projects what a period of long-term care could cost by the time you need it, and what set aside today would cover it.
- 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.
- 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.
- 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.
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<ul class="cc-quiet-tools"> <li><a href="https://consideratecapital.com/embed/roth-conversion-ladder?via=advisor-hnw-retirement" 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 Conversion Ladder Planner</a> <span>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.</span></li> <li><a href="https://consideratecapital.com/embed/widows-penalty-calculator?via=advisor-hnw-retirement" 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;">Widow's Penalty Calculator</a> <span>Shows how much more federal tax a surviving spouse pays on the same household income after the joint return ends.</span></li> <li><a href="https://consideratecapital.com/embed/survivor-benefit-timing?via=advisor-hnw-retirement" 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;">Survivor Benefit Timing Calculator</a> <span>Helps a widow or widower choose which Social Security benefit to take first, and when to switch.</span></li> <li><a href="https://consideratecapital.com/embed/how-much-can-i-save?via=advisor-hnw-retirement" 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-hnw-retirement" 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-hnw-retirement" 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-hnw-retirement" 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/sell-or-keep-the-house?via=advisor-hnw-retirement" 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;">Sell or Keep the House?</a> <span>Compares staying in your house with selling it and renting, year by year, at the costs and returns you expect.</span></li> <li><a href="https://consideratecapital.com/embed/how-much-umbrella-coverage?via=advisor-hnw-retirement" 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 Umbrella Coverage Do You Need?</a> <span>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.</span></li> <li><a href="https://consideratecapital.com/embed/social-security-claiming-calculator?via=advisor-hnw-retirement" 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-break-even-calculator?via=advisor-hnw-retirement" 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 Break-Even Calculator</a> <span>Finds the age at which waiting to start Social Security pays off, including what the early checks could have earned.</span></li> <li><a href="https://consideratecapital.com/embed/spousal-benefit-calculator?via=advisor-hnw-retirement" 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 Spousal Benefit Calculator</a> <span>Shows how much Social Security a spouse can collect on the other spouse's work record, at each claiming age.</span></li> <li><a href="https://consideratecapital.com/embed/social-security-earnings-test?via=advisor-hnw-retirement" 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=advisor-hnw-retirement" 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=advisor-hnw-retirement" 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=advisor-hnw-retirement" 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=advisor-hnw-retirement" 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/pension-or-lump-sum?via=advisor-hnw-retirement" 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/real-marginal-rate-calculator?via=advisor-hnw-retirement" 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;">Real Marginal Rate Calculator</a> <span>Shows what one more withdrawal really costs in tax, once Social Security and Medicare react to it.</span></li> <li><a href="https://consideratecapital.com/embed/roth-conversion-room?via=advisor-hnw-retirement" 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 Conversion Room Calculator</a> <span>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.</span></li> <li><a href="https://consideratecapital.com/embed/rmd-calculator?via=advisor-hnw-retirement" 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;">RMD Calculator</a> <span>Computes the withdrawal the law requires from your retirement account this year and projects the next ten years.</span></li> <li><a href="https://consideratecapital.com/embed/first-rmd-timing?via=advisor-hnw-retirement" 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;">First RMD Timing Calculator</a> <span>Compares taking your first required withdrawal in its own year with delaying it to April 1 and taking two the following year.</span></li> <li><a href="https://consideratecapital.com/embed/72t-payments-calculator?via=advisor-hnw-retirement" 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/capital-gains-harvesting-room?via=advisor-hnw-retirement" 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/qcd-or-cash-gift?via=advisor-hnw-retirement" 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;">QCD or Cash Gift?</a> <span>Compares giving to charity by writing a check with giving straight from an IRA, and shows which saves more.</span></li> <li><a href="https://consideratecapital.com/embed/charitable-bunching-calculator?via=advisor-hnw-retirement" 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;">Charitable Bunching Calculator</a> <span>Compares giving to charity a little every year with giving several years' worth at once, to see which saves more tax.</span></li> <li><a href="https://consideratecapital.com/embed/illinois-retirement-income-tax?via=advisor-hnw-retirement" 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;">Illinois Retirement Income Tax</a> <span>Computes the Illinois income tax on a retirement income, showing what Illinois leaves alone and what it taxes.</span></li> <li><a href="https://consideratecapital.com/embed/irmaa-calculator?via=advisor-hnw-retirement" target="_blank" rel="noopener" onclick="window.open(this.href,'cc-tool','scrollbars=yes,resizable=yes,left='+((screen.width-780)/2)+',top='+((screen.height-760)/2)+',width=780,height=760');return false;">IRMAA Calculator</a> <span>Finds the Medicare premium tier your income lands in and what it costs for the year.</span></li> <li><a href="https://consideratecapital.com/embed/irmaa-appeal-checker?via=advisor-hnw-retirement" 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;">IRMAA Appeal Checker</a> <span>Checks whether you can ask Medicare to base your premium on this year's income instead of a return from two years ago.</span></li> <li><a href="https://consideratecapital.com/embed/long-term-care-cost-projection?via=advisor-hnw-retirement" 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;">Long-Term Care Cost Projection</a> <span>Projects what a period of long-term care could cost by the time you need it, and what set aside today would cover it.</span></li> <li><a href="https://consideratecapital.com/embed/illinois-estate-tax-calculator?via=advisor-hnw-retirement" 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;">Illinois Estate Tax Calculator</a> <span>Estimates the estate tax Illinois and the federal government would charge on what you leave behind.</span></li> <li><a href="https://consideratecapital.com/embed/portability-election-calculator?via=advisor-hnw-retirement" 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;">Portability Election Calculator</a> <span>Shows what filing an estate tax return at the first spouse's death, to carry over their unused exclusion, is worth to the survivor.</span></li> <li><a href="https://consideratecapital.com/embed/step-up-in-basis-calculator?via=advisor-hnw-retirement" 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;">Step-Up in Basis Calculator</a> <span>Shows the new tax cost of an asset after a death, and how much profit is never taxed because of it.</span></li> <li><a href="https://consideratecapital.com/embed/inherited-ira-rules?via=advisor-hnw-retirement" 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;">Inherited IRA Rules</a> <span>Tells you which withdrawal rule applies to a retirement account you inherited, and by what year it must be empty.</span></li> <li><a href="https://consideratecapital.com/embed/nua-calculator?via=advisor-hnw-retirement" 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=advisor-hnw-retirement">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.