Calculators
Free, no account, no email gate. The same tax math that runs the full planner — open to anyone who wants to check a number.
When can I retire?
Find your retirement age with 2026 federal brackets, the Social Security taxability ramp, and RMD timing — not a 22% flat-tax shortcut.
Open calculator →Roth conversion
Should you convert traditional money to Roth? Compare both paths year by year, including the opportunity cost of the tax you pay up front.
Open calculator →ACA subsidy (2026)
The enhanced credits expired and the 400% FPL cliff is back. Estimate your premium tax credit and see how much MAGI headroom you have before one dollar forfeits it.
Open calculator →Social Security break-even
Claim at 62, full retirement age, or 70? See your monthly check at each age, the cumulative crossover chart, and the break-even ages where delaying starts to win.
Open calculator →Retire at a specific age
Each age has its own math — the rule of 55, the 59½ penalty line, the ACA bridge to Medicare, Social Security claiming windows. Pick your target year.
How long will your savings last?
Pick the balance closest to yours — each page runs the depletion math at real spending levels, with Social Security modeled in.
Want the whole picture — projections, withdrawal strategies, Monte Carlo? Open Granary.