Retirement Planning Calculators

Safe Withdrawal Rate Calculator

Compute the canonical safe-withdrawal-rate framework on a retirement portfolio — initial annual withdrawal, the FIRE-community 25x-spending mnemonic, deterministic year-end balance, Monte Carlo end-balance percentiles (P10 / P50 / P90), success probability across a sensitivity grid of withdrawal-rate × equity-allocation combinations, and the Guyton-Klinger guardrail spending range when dynamic adjustment is enabled. Anchored on Bengen (1994), the Trinity Study (Cooley-Hubbard-Walz 1998), the Morningstar State of Retirement Income series, and Guyton-Klinger (2006). Informational backtest tool — not investment advice.

Social Security Claiming Age Optimizer

Compute the Social Security claiming-age trade-off under 42 U.S.C. § 402 — Full Retirement Age (FRA) by birth year, early-claim reduction (5/9 of one percent per month for the first 36 months, 5/12 thereafter), delayed retirement credit (2/3 of one percent per month up to age 70), spousal benefit ceiling at 50 percent of the higher earner's PIA under § 402(b), survivor benefit at 100 percent of the deceased's benefit under § 402(e), lifetime nominal total and present value at a user-supplied real discount rate, and break-even age versus delaying to 70. Deterministic statute math; the SSA Retirement Estimator remains the authoritative source for an actual benefit projection.

Medicare IRMAA Tier Calculator (2025 Brackets)

Compute the 2025 Medicare Part B and Part D Income-Related Monthly Adjustment Amount (IRMAA) under 42 U.S.C. § 1395r(i) and 42 U.S.C. § 1395w-114a. Uses the SSA-2024-31 bracket table and the two-year lookback to map 2023 MAGI to a 2025 tier (no IRMAA / Tiers 1-5), produce monthly Part B and Part D premiums, the annual IRMAA surcharge, and the MAGI delta to the next-lower tier — so bracket-management levers (Roth-conversion timing, capital-loss harvesting, QCDs, Form SSA-44 Life-Changing Event reconsideration) can be evaluated before the tax return is final.

Roth Conversion Ladder Calculator

Compute a multi-year Roth conversion ladder under IRC § 408A(d)(3) — the gap-year strategy that fills unused lower-bracket headroom during the window between retirement and the start of Required Minimum Distributions under § 401(a)(9). Outputs: optimal annual conversion sized to the bracket top, total converted over the ladder, projected Roth balance at RMD age (NO RMDs on Roth), projected RMD reduction on the traditional balance, the 5-year per-conversion availability schedule under § 408A(d)(3)(F), and NPV tax savings vs. the no-conversion baseline. SECURE 2.0 RMD age 73 (rising to 75 in 2033). Informational planning tool — not tax advice.

Section 529 Superfunding Calculator

Compute the IRC § 529(c)(2)(B) 5-year-election (superfunding) outcome on a Qualified Tuition Program contribution — annual gift-tax exclusion qualifier, Form 709 reporting trigger, 5-year-election ceiling ($95,000 single / $190,000 MFJ in 2025), future-value compounding to the beneficiary's college-start age, surplus or shortfall against the projected college-cost target, and SECURE 2.0 § 529(c)(3)(E) Roth-IRA rollover eligibility (15-year holding period and $35,000 lifetime aggregate cap). Federal-pure mechanics anchored on IRC § 529, IRC § 2503(b), and the SECURE 2.0 Act of 2022 (Pub. L. 117-328). Informational planning tool — not tax advice.

Section 529 Superfunding Calculator

Compute the IRC § 529(c)(2)(B) 5-year-election (superfunding) outcome on a Qualified Tuition Program contribution — annual gift-tax exclusion qualifier, Form 709 reporting trigger, 5-year-election ceiling ($95,000 single / $190,000 MFJ in 2025), future-value compounding to the beneficiary's college-start age, surplus or shortfall against the projected college-cost target, and SECURE 2.0 § 529(c)(3)(E) Roth-IRA rollover eligibility (15-year holding period and $35,000 lifetime aggregate cap). Federal-pure mechanics anchored on IRC § 529, IRC § 2503(b), and the SECURE 2.0 Act of 2022 (Pub. L. 117-328). Informational planning tool — not tax advice.