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Run the numbers on your next financial decision.
These are the calculations we work through with clients every week: what steady saving can grow into, what you really pay in tax, when a Roth conversion makes sense, how much a business owner can put away, when to claim Social Security, and how much protection a family needs. Each one uses current IRS and Social Security figures and explains what your result means, so you arrive at the conversation already knowing where you stand.
Take the Financial House Assessment
Sixteen questions across the five layers of a financial plan. About four minutes, with a scored report that shows which layer needs attention first and which of these tools to use next.
Saving and growth
See what consistent saving and time can do, and how taxes change the result.
Compound Interest Calculator
Solve for ending value, rate, years, or the monthly amount it takes to reach a goal.
Open the calculator →Growth and After-Tax Comparison
Same money, same rate: what taxable, tax-deferred, and tax-free leave you with.
Open the calculator →Taxes
Decide when and how your money is taxed, not just how much.
Marginal vs Effective Tax Rate
Your 2026 federal and state tax, effective rate, bracket, and what your next dollar really costs.
Open the calculator →Roth Conversion Bracket Room
How much you can convert before the next federal bracket, and what it really costs.
Open the calculator →Roth IRA Eligibility & Backdoor
Your 2026 Roth limit, IRA deductibility, and whether a backdoor Roth is clean or costly.
Open the calculator →Tax Bucket Mix
How your savings divide across taxable, tax-deferred, and tax-free, and what blending saves.
Open the calculator →Social Security Taxation
How much of your Social Security is taxable, and whether you are in the tax torpedo.
Open the calculator →Business owners
Get the most out of the retirement plan your business can offer.
Solo 401(k) Contribution Maximizer
The 2026 maximum for a self-employed owner or S-corp shareholder, split into the employee and employer pieces.
Open the calculator →Solo 401(k) vs SEP vs SIMPLE
Three plans, three different ceilings. See how much each lets you contribute on the same income.
Open the calculator →Retirement income
Turn savings and benefits into income that lasts.
Social Security Claiming Breakeven
Claiming at 62, full retirement age, or 70: the monthly benefit, lifetime total, and crossover age.
Open the calculator →RMD Estimator
Your required minimum distribution, the IRS divisor behind it, and the next ten years.
Open the calculator →Retirement Income Gap
The gap between the income you want and the income that arrives on its own.
Open the calculator →Protection and legacy
Make sure your family and your plan hold up if something goes wrong.
Life Insurance Needs
What your family would need, what is already in place, and the gap between them.
Open the calculator →Disability Income Gap
What your disability coverage would actually replace after tax, and how long savings would last.
Open the calculator →Long-Term Care Cost by State
What care costs in your state now and later, and how the four ways of paying for it play out.
Open the calculator →State Estate Tax Exposure
Estate and inheritance tax in all 50 states, today and as your estate grows.
Open the calculator →Want these run with your actual numbers?
A calculator answers one question at a time. A planning conversation connects them: how a Roth conversion changes your Social Security taxation, how your business plan feeds your tax buckets, how protection fits around all of it. The first review is complimentary.