Thirty-seven retirement tax calculators for your website.
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. No account needed. Each ends by telling the reader to talk with a professional who knows their whole situation. No account needed.
Put these on your siteTry it: Roth Conversion Ladder Planner (opens in a new window)
Where a link goes
- Your resources page, beside the guides you already link to.
- An article that raises the question the calculator answers.
- The email you send a client before a meeting.
Paste it into an article, a resources page, or an email. The calculator stays here, kept current. Every tool below has its link ready; choose once whether copied links open the minimalist window or the full page.
All 37 tools
Saving while you work
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.
Employee Stock Purchase Plan (ESPP) Calculator
Shows what the shares you bought through your company's stock purchase plan are worth after tax, sold now or after the qualifying date.
Your house and your mortgage
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.
Claiming Social Security
Survivor Benefit Timing Calculator
Helps a widow or widower choose which Social Security benefit to take first, and when to switch.
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.
Taxes in retirement
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.
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.
Capital Gains and Your Tax Rate
Shows the tax rate on your next dollar of gain and on your next dollar of ordinary income, and which one pushes the other.
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.
Medicare, insurance, and long-term care
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.
Estate and inheritance
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.
Or take the whole set as one post
One post with the calculators above. Paste it into a new post as it is, or rewrite the introduction in your voice.
A ready-made post for your blog, with 3 of the calculators above.
Make the introduction your own. Adapt the post as you like; we keep the calculators up to date.
Filled in, the first sentence of the post is yours: “At your firm, these calculators show the arithmetic behind the questions we hear most.”
- 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.
On a phone? Email this page to yourselfText it to yourself
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3 of 37 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.