Retirement Planning Tools
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Personal Finance Toolkit
Build a plan that works — from first contribution to final withdrawal.
Estimate your Social Security benefits
CalculatorEstimate Medicare premium surcharges
CalculatorWhen to claim, spousal strategies, earnings impact, and the key decisions that can add tens of thousands to your lifetime benefits.
ArticleHow income-related adjustments affect your Medicare premiums, planning strategies to reduce IRMAA, and the two-year lookback rule.
ReferencePIA formula and bend point thresholds
ReferencePart B/D base premiums, income surcharge brackets
Reference59½, 62, 65, 67, 70, 73 — what each unlocks
IRAs, 401(k)s, Roth, 403(b)s, SEPs — a comprehensive guide to retirement account types, tax treatments, and contribution limits.
ArticleProject your retirement nest egg growth
CalculatorCalculate your path to financial independence
CalculatorInteractive chart: pick a time range and see how $10K would have grown across stocks, bonds, REITs, and more since 1970.
InteractiveImmersive particle visualization showing the exponential power of compound interest — watch dollars spawn new dollars in real time.
Interactive500 simulated retirement futures — adjust savings, spending, and allocation to see how your odds shift in real time.
ArticleBeyond the 25x rule — a nuanced look at retirement savings targets based on your spending, income sources, and retirement timeline.
ArticleHow to calculate your FIRE number, the math behind early retirement, and realistic assumptions for your financial independence plan.
Reference401(k), IRA, HSA, catch-up limits for 2025
ReferenceTraditional vs Roth vs 401(k) vs 403(b) vs SEP
Project required minimum distributions
CalculatorLump sum vs. annuity — which is better for you?
CalculatorDetermine your essential retirement expenses
CalculatorCompare cost of living across 77 major U.S. metros with salary equivalence calculator
InteractiveSee how category-level inflation varies — essential for understanding purchasing power erosion in retirement.
ArticleUnderstand how IRS 417(e) segment rates affect your pension lump sum value and how to evaluate your options.
ArticleUnderstanding RMD rules, calculation methods, strategies to minimize tax impact, and how the SECURE Act changed the timeline.
ArticleHow to separate essential from discretionary spending, build a reliable income floor, and stress-test your retirement budget.
ReferenceUniform Lifetime Table, Joint Life Table
Analyze the tax impact of Roth conversions
CalculatorEvaluate the NUA strategy for employer stock in your 401(k)
CalculatorVisualize the power of tax-deferred compounding
Interactive ToolThe tax math behind Roth conversions, optimal conversion windows, and how to build a multi-year conversion ladder.
ArticleHow to analyze the tax-deferred vs. Roth trade-off based on your current and projected tax brackets.