Financial Planning Suite

Free Public Financial Calculators

Evaluate your retirement finances, optimize your college savings, and analyze Roth IRA conversions. No signup, credit cards, or API keys required. Access professional-grade planning tools instantly.

1. Savings Longevity: How Long Will My Money Last?

Planning your retirement finances requires a clear view of your safe withdrawal rate. Our savings longevity calculator projects how many years your current net worth covers your living expenses:

• Inflation Adjusted — Grow your annual or monthly expenses by expected inflation to see the real purchasing power required.
• Tax Aware — Input your tax slab to apply tax drag onto your annual investment returns.
• Monte Carlo Simulations — Our advanced planner models success rates and percentile bands using 50+ years of historical market cycles, accounting for sequence-of-returns risk.

Run a Retirement Longevity simulation →

2. When to Convert to a Roth IRA?

Converting a Traditional IRA or pre-tax 401(k) into a Roth IRA is one of the most powerful tax optimization strategies available. Deciding when to convert depends on several critical factors:

• Tax Rate Differentials — If you expect to be in a higher tax bracket in retirement than you are today, paying taxes now at a lower rate is a net wealth generator.
• Outside Cash Advantage — Paying the conversion tax using cash outside your retirement account lets the entire balance compound tax-free, maximizing growth.
• Early Withdrawal Penalty Alerts — Withholding taxes from the converted balance today can trigger a 10% penalty if you are under 59.5. Our calculator flags these risks.

Model a Roth IRA Conversion scenario inside our Retirement Longevity planner →

3. Best 529 Planning: College Savings & Selection

529 college savings planning is heavily dependent on state-level tax incentives. To identify the best 529 plan, you must compare in-state tax write-offs against plan management fees:

• Tax Parity States — If your state has tax parity, you get a tax deduction for contributing to *any* plan. We recommend fee-optimized national plans in this case.
• Deduction Limits — Track whether your annual contributions exceed your state's maximum deduction, and split contributions if necessary to maximize write-offs.
• Index Fund Choices — Choose a plan that supports your S&P 500 or Nasdaq 100 index tracking preferences for passive long-term growth.

Compare 529 College Savings plans →

Frequently asked questions

How do I calculate how long my money will last?

You must input your current investable savings, subtract expected annual living expenses, and project growth using average returns. Grow your expenses by inflation (e.g. 3%) and deduct taxes on gains to calculate your savings runway.

Is a Roth IRA conversion worth it?

Yes, if your current income tax rate is lower than your retirement tax rate, or if you wish to avoid Required Minimum Distributions (RMDs) and pass tax-free assets to your beneficiaries.

What is the best 529 plan?

The best plan is typically your in-state plan if it offers an immediate state tax deduction. If your state has no tax deduction (or has tax parity), low-fee national plans (like Utah's my529 or New York's 529) are generally best.