Retirement Calculators

Social Security, RMD, Roth ladder, HSA, pension and Medicare tools.

Pension Lump-Sum vs Monthly Decision Calculator

NPV both paths, breakeven age and longevity sensitivity.

Social Security Claiming Age Optimizer

Lifetime NPV at 62 vs FRA vs 70 with COLA and breakeven analysis.

Social Security Claiming Age Optimizer

Lifetime NPV at 62 vs FRA vs 70 with COLA and breakeven analysis.

RMD (Required Minimum Distribution) Calculator

Annual RMD from IRS Uniform Lifetime Table, 10-year projection and penalty exposure.

Roth Conversion Ladder Calculator

Optimal yearly conversion to fill your bracket, lifetime tax saved and RMD reduction.

Annuity Calculator

Solve FV, PV, payment or payment-to-target — standard actuarial math.

HSA Calculator

Lifetime HSA tax advantage vs 401(k)-only and taxable brokerage paths.

Powerball Annuity Calculator

Lump-sum cash vs 30-year annuity net of federal and state lottery tax.

401(k) Early Withdrawal Calculator

10% penalty + tax + opportunity cost, with SECURE Act 2.0 exception flags.

Medicare Part D vs Advantage Compare

All-in annual cost: Original + Part D vs Advantage with network score.

Pension Lump-Sum vs Monthly Decision Calculator

NPV both paths, breakeven age and longevity sensitivity at LE 75/85/95.