Calculators

Right-size and reach your emergency fund.

Avalanche vs snowball with a real schedule.

Make sure you capture your full employer match.

Engine-driven prioritization for any extra cash.

Pick by your tax bracket now vs in retirement.

See where the HSA fits in your tax-advantaged stack.

$72k 2026 §415(c) cap; mega-backdoor headroom.

Exercise-and-hold vs same-day disqualifying.

How much invested = financial independence.

The amount that, if untouched, hits FIRE by 65.

Direct a bonus across goals, in priority order.

Compare paying down vs investing the difference.

1% rule, 50% rule, cap rate, cash-on-cash return.

Tax owed on rental sale + 1031 exchange savings.

Withdrawal order, Roth windows, Social Security timing.

Plan a multi-year ladder up to your bracket ceiling.

Dynamic withdrawal with capital-preservation guardrails.

Penalty-free pre-59½ access, three IRS methods.

NPV the lump-sum vs the joint-life annuity stream.

Medicaid floor, sweet spot, and over-cliff zones.

Rank all 50 states by retirement-spending tax.

FEIE vs FTC + FBAR / FATCA reporting thresholds.