Financial Calculators
Eight quick calculators for the questions that come up most. Everything runs right here in your browser: nothing is saved, nothing is sent anywhere, and nothing is tracked.
Savings Goal Calculator
See how long it takes to reach a savings target at your current pace.
An assumption, not a promise. 0% is fine if you're keeping this in cash.
Time to reach your goal
Educational estimate only: assumes steady contributions and a constant rate of return. Nothing is saved or sent.
Redirect Spending to Savings
What a little discretionary spending could become if it went into savings instead.
What it could grow to
Educational estimate only: assumes steady contributions and a constant rate of return. Nothing is saved or sent.
Inflation & Retirement Income
What today's income needs to grow to just to keep the same buying power by the time you retire.
What that income needs to be by then
Educational estimate only: a single constant inflation rate applied evenly, which real inflation never actually does. Nothing is saved or sent.
Real Rate of Return
What an investment return actually keeps, after taxes and inflation take their share.
After taxes
After taxes and inflation (real return)
Educational estimate only, using flat assumed rates. Nothing is saved or sent.
Taxable vs. Tax-Free Growth
The same contributions, side by side: one account taxed on its growth each year, one that isn't.
Taxable account
Tax-free / tax-deferred account
Difference
This is exactly why account type (Roth, traditional, or taxable) is its own decision, separate from what you invest in.
Educational estimate only: assumes the taxable account's growth is taxed every year at this flat rate, which is a simplification of how real accounts and tax brackets work. Nothing is saved or sent. Read more in the Roth vs. Traditional guide.
Historical Purchasing Power
What a dollar amount from one year is really worth in another, using actual historical U.S. inflation data.
Source: U.S. Bureau of Labor Statistics, Consumer Price Index for All Urban Consumers (CPI-U), annual averages. Nothing is saved or sent.
Lump Sum vs. Payments Over Time
Cash up front, or the same total paid out over time: which is actually worth more today?
Lump sum, today
Payment stream, in today's dollars
Educational estimate only: assumes payments arrive once a year and a constant discount rate. Nothing is saved or sent.
These are estimates to start a conversation, not a plan. Real numbers, run against your real situation, are what a first conversation is for.
Talk it through, no cost, no obligationMore free tools: The Decision Matrix · The Financial Pyramid · The Wealth Builder Tax Audit · The Retirement Tax Leak Audit
Social Security Timing
A rough estimate of how filing age changes your monthly benefit, using the same formula the Social Security Administration uses to convert your earnings into a benefit (the "bend point" formula).
We treat this as a rough stand-in for your career-average earnings. Your real number depends on your full 35-year record.
For illustration only — not your actual benefit
File at 62 (earliest)
File at full retirement age
File at 70 (latest)
Waiting from 62 to 70 roughly doubles the monthly check, for life. The right age depends on health, other income, and whether you're still working, exactly the kind of trade-off worth talking through.
Rough estimate only, based on a flat-earnings assumption and 2025 program figures, which change over time. Your real benefit depends on your full 35-year earnings record. For your actual estimate, create a free account at ssa.gov/myaccount. Read more in the Social Security Timing guide.