Find the right calculator for the conversation
Start with the question your client is asking. Calculator Planning gives you an interactive way to model the possibilities and make complicated financial concepts easier to understand.
A Case for Guaranteed Income
Model how Social Security and guaranteed income cover expenses — letting your portfolio grow instead of drain. Year-by-year projection with surplus reinvestment.
- •Could an annuity help my money last longer in retirement?
- •How much of my monthly income should be guaranteed for life?
- •Would steady income let the rest of my savings keep growing?
How Much Am I Losing on Fees?
Calculate the true cost of investment management fees — direct costs plus the compounding growth you never earn.
- •How much am I really paying my financial advisor over time?
- •How much extra money could I have if I paid lower fees?
- •Are these fees worth what I'm getting?
Whole Life Debt Strategy
Organize a client's debt picture, find policy funding capacity, and model a policy-loan payoff strategy. Client workspace with saved, versioned plans.
- •How can I get out of debt faster?
- •Which debt should I pay off first?
- •Once one debt is paid off, how much faster could the rest go?
Random Returns
Historical, randomized, Index, and Buffer/RILA modes — S&P 500 price returns 1950–2025.
- •Can I protect some of my money from market losses and still benefit when the market goes up?
- •Is there a safer way to invest that still grows?
- •How would taking money out each year change how my investments do?
Sequence of Return Risk
Experience how return order — not just average returns — determines retirement survival.
- •What happens to my retirement if the market crashes right after I retire?
- •Can two people with the same savings end up with very different results?
- •Does it matter when the good and bad years happen?
Inherited IRA Tax Bomb
SECURE Act 10-year rule: model what heirs pay in taxes vs. the RMD→Tax Free alternative.
- •Would converting my IRA to a Roth save me money on taxes later?
- •Will my kids owe a lot of taxes on the IRA I leave them?
- •How much would my family actually keep after taxes?
RMD → Tax Free Strategy
Model using RMDs to fund a tax-free death benefit — Do Nothing vs. Strategy comparison.
- •Could I turn the money I'm forced to withdraw into a tax-free gift for my family?
- •What happens if I just take the money out and do nothing with it?
- •How much more could my family get if I plan ahead?
RMD Calculator
SECURE 2.0 compliant RMD calculator with IRS Uniform & Joint Life Tables, COLA projections, and tax insights.
- •How much do I have to take out of my retirement account this year?
- •Will I have to take out more as I get older?
- •How much will these withdrawals add to my taxes?
Social Security Calculator
SSA-grade benefit estimate: indexed earnings, bend points, COLA, spousal & survivor benefits.
- •When should I start taking my Social Security?
- •How much more would I get if I wait a few years?
- •What happens to my spouse's benefits if something happens to me?
Income Calculator
See how long your retirement funds last using S&P 500 history (2000–2025).
- •How long will my retirement savings last?
- •How much can I safely spend each year?
- •What if prices keep going up while I'm retired?
Asset Projection
4-scenario side-by-side comparison: Base vs Fees vs Taxes vs Fees+Taxes.
- •How much could my savings be worth down the road?
- •How much do fees and taxes really eat into my money?
- •What if my investments grow faster or slower than I expect?
Opportunity Calculator
Side-by-side comparison: your current AUM strategy vs. a custom Five Pathways structure — fees, risk, income, and legacy all in one view.
- •What is my current plan really costing me?
- •Could a different approach give me more in retirement?
- •How much income will I need my savings to provide each year?
Tax Bracket Calculator
See your marginal bracket, remaining room, total tax bill, and Roth conversion planning insights.
- •What tax bracket am I in?
- •How much more can I earn before I jump into a higher tax bracket?
- •How much can I move to a Roth without a big tax hit?
1040 Tax Calculator
Full Form 1040 model: AGI, SS taxation, ordinary vs capital gains stacking, marginal & effective rates.
- •About how much will I owe in taxes this year?
- •What tax rate am I actually paying?
- •Which parts of my income are costing me the most in taxes?
IRA → 7702 Funding Plan
Model how to defund an IRA inside an annuity to fund a Whole Life (7702) plan.
- •Could moving my IRA money leave more for my family tax-free?
- •What taxes would I pay while making this change?
- •How does this compare to just leaving my IRA the way it is?
Compound Interest
Calculate growth of investments over time with compounding.
- •How much could my money grow over time?
- •What if I save a little every month?
- •How much does starting early really matter?
Loan / Mortgage
Find monthly payments and total interest on any loan.
- •What would my monthly payment be?
- •How much interest will I pay in total?
- •How much sooner could I pay it off if I paid a little extra?
Mortgage Strategy Comparison
Keep vs Pay Extra vs Refinance vs Invest — full amortization engine with breakeven and net worth comparison.
- •Should I pay extra on my mortgage, refinance, or invest the money instead?
- •How long before refinancing actually pays off?
- •Which choice leaves me better off in the long run?
ROI Calculator
Measure return on investment for any deal or project.
- •Am I actually making money on this?
- •How long until I get my money back?
- •Which of these options is the better deal?
Percentage Calculator
Everyday percentage math in plain language — find an amount, a percentage, compare two amounts, work back to a total, or add/subtract a percentage.
- •What is a certain percentage of an amount?
- •What percent is one number of another?
- •How much did something go up or down?