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Sixty-four calculators, each from the primary source with the year and the review date attached. Quote any figure with the year, link to any page, or drop a window into the article. Each ends with the advice to talk with a professional.
64 tools for writers and publishers. 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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Widow's Penalty Calculator
Shows how much more federal tax a surviving spouse pays on the same household income after the joint return ends.
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.
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.
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.
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.
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.
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.
Illinois Senior Property Tax Exemptions
Shows which Illinois property tax exemptions you qualify for and what each saves at your local tax rate.
Is Your Home Underinsured? The 80 Percent Rule
Checks your dwelling coverage against the cost to rebuild and shows what the policy would pay on a loss when the coverage falls short.
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.
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.
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.
Survivor Benefit Timing Calculator
Helps a widow or widower choose which Social Security benefit to take first, and when to switch.
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 After Divorce
Checks whether you can collect Social Security on a former spouse's record, and shows how much, while they are living and after they die.
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 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.
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.
Medicare Enrollment Window
Dates your Medicare sign-up window to your birth month and shows what a late sign-up costs for life.
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 Medicaid Long-Term Care Figures
Lists this year's Illinois Medicaid figures for nursing-home care and works out the penalty for gifts made in the last five years.
Illinois Private-Pay Runway Calculator
Estimates how many months of nursing-home costs a household can pay before Illinois Medicaid could take over.
Illinois Spousal Income Allowance
Shows how a couple's monthly income is divided once one spouse is on Illinois Medicaid in a nursing home, and what the spouse at home keeps.
Dividing Retirement Accounts in Divorce
Shows what each spouse's share of the retirement and investment accounts is worth after tax, at each spouse's own tax rate.
The House or the IRA? After-Tax Value in a Divorce
Compares what the house and the retirement account are each worth after tax, when a divorce trades one against the other.
Illinois Maintenance Guideline Calculator
Shows the monthly maintenance the Illinois guideline formula produces from two incomes and the length of the marriage, and how long it would last.
Maintenance Buyout: Lump Sum or Monthly Payments?
Compares monthly maintenance payments with a one-time lump sum, at the rate of return you choose.
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.
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.
Gift Tax Return Checker
Tells you whether a gift needs a gift tax return, and how much of it counts against your lifetime exclusion.
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.
Trust Income Tax Brackets
Shows how much federal income tax a trust pays on income it keeps, and how that compares with a person paying tax on the same money.
Distribute or Retain? Trust Income Calculator
Compares the tax if a trust keeps this year's income with the tax if it pays the income out to the beneficiary.
Inheritance in Trust or Outright: The Tax Drag
Shows the yearly tax cost of leaving an inheritance in a trust that keeps its income, compared with leaving it outright to the heir.
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.
QSBS Exclusion Calculator
Shows how much profit from selling stock in a small company can be excluded from tax, and what the rest costs.
Installment Sale of a Business
Shows the tax each year when a business is sold for a down payment and a note, and how much tax that pushes past the year of sale.
Asset Sale or Stock Sale? The Double Tax on a C Corporation
Compares what you keep from selling your C corporation's assets against selling its stock, and shows the price that would make the two equal.
Purchase Price Allocation: What the Seller Keeps
Splits the price of your business among its assets the way the tax form does, and shows the tax on each part and what you keep.
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- Social Security Taxation Calculator Works out how much of your Social Security benefit is taxed, based on your other income.
- Widow's Penalty Calculator Shows how much more federal tax a surviving spouse pays on the same household income after the joint return ends.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- Illinois Senior Property Tax Exemptions Shows which Illinois property tax exemptions you qualify for and what each saves at your local tax rate.
- Is Your Home Underinsured? The 80 Percent Rule Checks your dwelling coverage against the cost to rebuild and shows what the policy would pay on a loss when the coverage falls short.
- 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.
- 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.
- 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.
- Survivor Benefit Timing Calculator Helps a widow or widower choose which Social Security benefit to take first, and when to switch.
- 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 After Divorce Checks whether you can collect Social Security on a former spouse's record, and shows how much, while they are living and after they die.
- 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 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.
- 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.
- Medicare Enrollment Window Dates your Medicare sign-up window to your birth month and shows what a late sign-up costs for life.
- 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 Medicaid Long-Term Care Figures Lists this year's Illinois Medicaid figures for nursing-home care and works out the penalty for gifts made in the last five years.
- Illinois Private-Pay Runway Calculator Estimates how many months of nursing-home costs a household can pay before Illinois Medicaid could take over.
- Illinois Spousal Income Allowance Shows how a couple's monthly income is divided once one spouse is on Illinois Medicaid in a nursing home, and what the spouse at home keeps.
- Dividing Retirement Accounts in Divorce Shows what each spouse's share of the retirement and investment accounts is worth after tax, at each spouse's own tax rate.
- The House or the IRA? After-Tax Value in a Divorce Compares what the house and the retirement account are each worth after tax, when a divorce trades one against the other.
- Illinois Maintenance Guideline Calculator Shows the monthly maintenance the Illinois guideline formula produces from two incomes and the length of the marriage, and how long it would last.
- Maintenance Buyout: Lump Sum or Monthly Payments? Compares monthly maintenance payments with a one-time lump sum, at the rate of return you choose.
- 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.
- 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.
- Gift Tax Return Checker Tells you whether a gift needs a gift tax return, and how much of it counts against your lifetime exclusion.
- 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.
- Trust Income Tax Brackets Shows how much federal income tax a trust pays on income it keeps, and how that compares with a person paying tax on the same money.
- Distribute or Retain? Trust Income Calculator Compares the tax if a trust keeps this year's income with the tax if it pays the income out to the beneficiary.
- Inheritance in Trust or Outright: The Tax Drag Shows the yearly tax cost of leaving an inheritance in a trust that keeps its income, compared with leaving it outright to the heir.
- 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.
- QSBS Exclusion Calculator Shows how much profit from selling stock in a small company can be excluded from tax, and what the rest costs.
- Installment Sale of a Business Shows the tax each year when a business is sold for a down payment and a note, and how much tax that pushes past the year of sale.
- Asset Sale or Stock Sale? The Double Tax on a C Corporation Compares what you keep from selling your C corporation's assets against selling its stock, and shows the price that would make the two equal.
- Purchase Price Allocation: What the Seller Keeps Splits the price of your business among its assets the way the tax form does, and shows the tax on each part and what you keep.
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/social-security-taxation-calculator?via=writer" 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/widows-penalty-calculator?via=writer" 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/roth-conversion-room?via=writer" 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/how-much-can-i-save?via=writer" 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=writer" 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/backdoor-roth-pro-rata?via=writer" 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=writer" 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=writer" 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=writer" 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/sell-or-keep-the-house?via=writer" 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/pay-off-mortgage-or-invest?via=writer" 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/refinance-break-even?via=writer" 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=writer" 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=writer" 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=writer" 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=writer" 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/illinois-senior-property-tax-exemptions?via=writer" 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 Senior Property Tax Exemptions</a> <span>Shows which Illinois property tax exemptions you qualify for and what each saves at your local tax rate.</span></li> <li><a href="https://consideratecapital.com/embed/home-coinsurance-rule?via=writer" 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;">Is Your Home Underinsured? The 80 Percent Rule</a> <span>Checks your dwelling coverage against the cost to rebuild and shows what the policy would pay on a loss when the coverage falls short.</span></li> <li><a href="https://consideratecapital.com/embed/how-much-umbrella-coverage?via=writer" 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/raise-the-deductible?via=writer" 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/social-security-claiming-calculator?via=writer" 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=writer" 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=writer" 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/survivor-benefit-timing?via=writer" 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/social-security-earnings-test?via=writer" 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-after-divorce?via=writer" 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 After Divorce</a> <span>Checks whether you can collect Social Security on a former spouse's record, and shows how much, while they are living and after they die.</span></li> <li><a href="https://consideratecapital.com/embed/retirement-numbers?via=writer" 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=writer" 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=writer" 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=writer" 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=writer" 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-ladder?via=writer" 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/rmd-calculator?via=writer" 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=writer" 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=writer" 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=writer" 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=writer" 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=writer" 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=writer" 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=writer" 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=writer" 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/medicare-enrollment-window?via=writer" 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/long-term-care-cost-projection?via=writer" 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-medicaid-long-term-care-figures?via=writer" target="_blank" rel="noopener" onclick="window.open(this.href,'cc-tool','scrollbars=yes,resizable=yes,left='+((screen.width-780)/2)+',top='+((screen.height-680)/2)+',width=780,height=680');return false;">Illinois Medicaid Long-Term Care Figures</a> <span>Lists this year's Illinois Medicaid figures for nursing-home care and works out the penalty for gifts made in the last five years.</span></li> <li><a href="https://consideratecapital.com/embed/medicaid-runway-illinois?via=writer" 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 Private-Pay Runway Calculator</a> <span>Estimates how many months of nursing-home costs a household can pay before Illinois Medicaid could take over.</span></li> <li><a href="https://consideratecapital.com/embed/illinois-spousal-income-allowance?via=writer" target="_blank" rel="noopener" onclick="window.open(this.href,'cc-tool','scrollbars=yes,resizable=yes,left='+((screen.width-780)/2)+',top='+((screen.height-860)/2)+',width=780,height=860');return false;">Illinois Spousal Income Allowance</a> <span>Shows how a couple's monthly income is divided once one spouse is on Illinois Medicaid in a nursing home, and what the spouse at home keeps.</span></li> <li><a href="https://consideratecapital.com/embed/dividing-retirement-accounts-in-divorce?via=writer" 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;">Dividing Retirement Accounts in Divorce</a> <span>Shows what each spouse's share of the retirement and investment accounts is worth after tax, at each spouse's own tax rate.</span></li> <li><a href="https://consideratecapital.com/embed/house-or-ira-in-divorce?via=writer" 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;">The House or the IRA? After-Tax Value in a Divorce</a> <span>Compares what the house and the retirement account are each worth after tax, when a divorce trades one against the other.</span></li> <li><a href="https://consideratecapital.com/embed/illinois-maintenance-calculator?via=writer" 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 Maintenance Guideline Calculator</a> <span>Shows the monthly maintenance the Illinois guideline formula produces from two incomes and the length of the marriage, and how long it would last.</span></li> <li><a href="https://consideratecapital.com/embed/maintenance-buyout-calculator?via=writer" 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;">Maintenance Buyout: Lump Sum or Monthly Payments?</a> <span>Compares monthly maintenance payments with a one-time lump sum, at the rate of return you choose.</span></li> <li><a href="https://consideratecapital.com/embed/marital-share-of-a-pension?via=writer" 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/illinois-estate-tax-calculator?via=writer" 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=writer" 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/gift-tax-return-checker?via=writer" 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> <li><a href="https://consideratecapital.com/embed/step-up-in-basis-calculator?via=writer" 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=writer" 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/trust-income-tax-brackets?via=writer" target="_blank" rel="noopener" onclick="window.open(this.href,'cc-tool','scrollbars=yes,resizable=yes,left='+((screen.width-780)/2)+',top='+((screen.height-740)/2)+',width=780,height=740');return false;">Trust Income Tax Brackets</a> <span>Shows how much federal income tax a trust pays on income it keeps, and how that compares with a person paying tax on the same money.</span></li> <li><a href="https://consideratecapital.com/embed/trust-distribute-or-retain?via=writer" 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;">Distribute or Retain? Trust Income Calculator</a> <span>Compares the tax if a trust keeps this year's income with the tax if it pays the income out to the beneficiary.</span></li> <li><a href="https://consideratecapital.com/embed/inheritance-in-trust-or-outright?via=writer" 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;">Inheritance in Trust or Outright: The Tax Drag</a> <span>Shows the yearly tax cost of leaving an inheritance in a trust that keeps its income, compared with leaving it outright to the heir.</span></li> <li><a href="https://consideratecapital.com/embed/nua-calculator?via=writer" 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> <li><a href="https://consideratecapital.com/embed/qsbs-exclusion-calculator?via=writer" 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;">QSBS Exclusion Calculator</a> <span>Shows how much profit from selling stock in a small company can be excluded from tax, and what the rest costs.</span></li> <li><a href="https://consideratecapital.com/embed/installment-sale-calculator?via=writer" 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;">Installment Sale of a Business</a> <span>Shows the tax each year when a business is sold for a down payment and a note, and how much tax that pushes past the year of sale.</span></li> <li><a href="https://consideratecapital.com/embed/asset-sale-or-stock-sale?via=writer" 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;">Asset Sale or Stock Sale? The Double Tax on a C Corporation</a> <span>Compares what you keep from selling your C corporation's assets against selling its stock, and shows the price that would make the two equal.</span></li> <li><a href="https://consideratecapital.com/embed/purchase-price-allocation?via=writer" 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;">Purchase Price Allocation: What the Seller Keeps</a> <span>Splits the price of your business among its assets the way the tax form does, and shows the tax on each part and what you keep.</span></li> </ul> <p class="cc-quiet-tools-note">Calculators from <a href="https://consideratecapital.com/tools?via=writer">Considerate Capital</a>. Educational estimates from the public rules, not advice; each opens in its own window with the sources and terms.</p>
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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.
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