Retirement & FIRE

Calculate the true cost of an early 401(k)/IRA withdrawal, combining the 10% IRC Section 72(t) penalty with actual marginal income tax.

Calculate 401(k) retirement balance, compound growth, and employer match optimizations under 2026 IRS contribution limits.

403(b) Calculator (Contribution Limits and the 15-Year Catch-Up) - math and vectors complete, content pending.

457(b) Plan Calculator (Governmental Deferred Compensation) - math and vectors complete, content pending.

Project 529 plan growth with 2026 gift tax annual exclusion and 5-year superfunding rules applied.

Compare total lifetime cost of funding college via 529 savings versus student loans, side by side.

After-Tax 401(k) Contribution Calculator (2026 Limits) - math and vectors complete, content pending.

Compute exact Pro-Rata Conversion metrics with full schedules and charts.

Compute exact Barista Withdrawal metrics with full schedules and charts.

Compute exact Coast Lump Sum metrics with full schedules and charts.

College Savings Calculator (How Much to Save Per Month)

Project Coverdell ESA growth with the $2,000 statutory cap and MAGI phase-out actually enforced.

Value a fixed-term income stream that begins after an accumulation phase, separating the lump sum required on the payout date from the present value today and solving for the level annual deposit that funds it.

Compute exact DRIP Yield on Cost metrics with full schedules and charts.

Compute exact Guardrail SWR metrics with full schedules and charts.

Compute exact ACA Premium Credit metrics with full schedules and charts.

Project your timeline to financial independence using closed-form real TVM equations, savings rates, and Safe Withdrawal Rate tiers.

Compute exact SPIA Monthly Cash Flow metrics with full schedules and charts.

Project invested HSA growth against an equivalent taxable account, with a year-by-year schedule and chart.

In-Plan Roth Conversion Calculator (401k to Roth 401k, 2026) - math and vectors complete, content pending.

Inherited IRA 10-Year Rule Calculator (SECURE Act RMDs) - math and vectors complete, content pending.

Model the SECURE Act 10-year inherited IRA drawdown with annual RMDs, tax owed, and a full schedule.

IRA Rollover Calculator (Direct vs 60-Day Indirect Rollover) - math and vectors complete, content pending.

IRMAA Appeal Calculator (Form SSA-44 Life-Changing Event) - math and vectors complete, content pending.

Calculate the probability that at least one of a couple survives a given horizon using SSA mortality, showing why the last-survivor horizon is materially longer than either individual life expectancy.

Long-Term Care Cost Calculator (Self-Fund vs Insure) - math and vectors complete, content pending.

Compute exact IRMAA Surcharge metrics with full schedules and charts.

Medicare Part B Premium Calculator (2026 IRMAA Brackets) - math and vectors complete, content pending.

Compute exact After-Tax 401k metrics with full schedules and charts.

Monte Carlo Retirement Calculator - math and vectors complete, content pending.

Compute exact NQDC Tax Shield metrics with full schedules and charts.

NUA Calculator (Net Unrealized Appreciation on Employer Stock) - math and vectors complete, content pending.

Pension Survivor Election Calculator (Single Life vs Joint and Survivor) - math and vectors complete, content pending.

Compare pension and lump-sum present values with a survival-weighted payment schedule and chart.

QCD Calculator (Qualified Charitable Distribution From an IRA) - math and vectors complete, content pending.

Retirement Calculator (Will You Have Enough?)

Run 2,000 seeded Monte Carlo retirement simulations to find the success rate and the distribution of ending balances, demonstrating sequence-of-returns risk by holding the average return constant while varying volatility.

Retirement Tax Bracket Management Calculator (True Marginal Rate) - math and vectors complete, content pending.

Retirement Withdrawal Order Calculator (Taxable, Tax-Deferred, Roth) - math and vectors complete, content pending.

Estimate the HECM principal limit, MIP, mandatory obligations, and net proceeds, with a growth schedule and chart.

Calculate mandatory IRS Required Minimum Distributions from Traditional IRAs and 401(k)s using the IRS Uniform Lifetime Table.

Projects a multi-year bracket-filling Roth conversion ladder, including total tax paid via bracket-stacking and each tranche's independent 5-year penalty-free clock.

Model 100% tax-free compound growth with 2026 IRS contribution ceilings ($7,000) and compare after-tax retirement income against Traditional IRAs.

Compute exact 72t SEPP Annuity metrics with full schedules and charts.

Rule of 55 Calculator (Penalty-Free 401(k) Withdrawals After 55) - math and vectors complete, content pending.

Compute the maximum SEP-IRA employer contribution for self-employed and small business owners and project account growth to retirement.

Demonstrates sequence of returns risk by projecting two return sequences with identical average returns but bad years ordered first vs. last, showing the resulting survival and ending-balance gap.

Compute maximum SIMPLE IRA employee deferral and compare both employer contribution formulas, then project account growth to retirement.

Singapore CPF Contribution Calculator 2026 (Employer & Employee Rates, OW/AW Ceilings) - math and vectors complete, content pending.

Actuarial comparison of Social Security claiming ages using official 2026 Period Life Tables and annual COLA compounding.

Social Security Earnings Test Calculator (2026 Limits) - math and vectors complete, content pending.

Computes spousal (up to 50% of PIA) and survivor (up to 100%) benefits using SSA's exact early-claiming reduction schedules, compared against the claiming spouse's own-record benefit.

Calculate a Social Security survivor benefit from age 60 with the reduction for early claiming, and compare it against the survivor's own benefit, which is a separate claim that continues growing to age 70.

Compute exact SS Taxable Benefit metrics with full schedules and charts.

Compute the maximum Solo 401(k) employee deferral plus employer profit-sharing contribution and project account growth to retirement.

Solo 401(k) vs SEP-IRA Calculator (2026 Head-to-Head) - math and vectors complete, content pending.

Compute exact IRA MAGI Deduction metrics with full schedules and charts.

Project a GMWB/GLWB rider's guaranteed lifetime withdrawal versus the underlying account value, with a year-by-year schedule and chart.