All Calculators
Three free tools. Each one answers a specific early retirement question. Pick the one that fits your situation — or run all three.
Roth Conversion Ladder Calculator
Building a Roth conversion ladder lets you move money from a traditional IRA or 401(k) into a Roth IRA tax year by year. This calculator models a conversion schedule, estimated taxes, and when each converted amount completes its five-tax-year waiting period. The result is an educational projection, not a recommendation or a tax-return calculation.
Try the Roth Conversion Ladder CalculatorRule of 55 Calculator
The Rule of 55 may let you avoid the 10% additional tax on withdrawals from the plan of an employer you leave in or after the calendar year you turn 55. The calculator checks the age and account facts it asks for, then estimates a bridge period and taxes. Your separation timing and the plan's distribution rules still need to be confirmed.
Try the Rule of 55 CalculatorHSA Triple Tax Advantage Calculator
A Health Savings Account is the only account with three separate tax breaks: contributions are pre-tax, growth is tax-free, and qualified withdrawals are tax-free too. After 65, you can pull HSA funds for any expense without penalty — the same flexibility as a traditional IRA, but without the required minimum distributions. The HSA Triple Tax Advantage Calculator shows you how much your HSA could grow and what it's worth across different withdrawal scenarios, including healthcare and non-healthcare spending in retirement.
Try the HSA Triple Tax Advantage Calculator