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 — and withdraw it penalty-free five years later. This calculator models your conversion schedule so you can see exactly how much to convert each year, what you'll owe in taxes, and when your first penalty-free withdrawals become available. If you're planning to retire before 59½, the Roth Conversion Ladder Calculator is usually the first tool to run.
Try the Roth Conversion Ladder CalculatorRule of 55 Calculator
The Rule of 55 is an IRS provision that lets you withdraw from your current employer's 401(k) without the 10% early withdrawal penalty if you leave your job in the year you turn 55 or later. Not every plan allows it, and it only covers your most recent employer's plan — not older accounts. The Rule of 55 Calculator shows whether you qualify, how much you can withdraw, and what the tax hit looks like so you can decide if this is the right bridge to full retirement.
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