Calculators
Practical tools to support better planning decisions. These are simplified models and for educational purposes only.
Portfolio Risk Alignment Analyzer
Match today's asset mix with your true risk capacity
Capture how you invest today, measure risk tolerance with 10 evidence-based questions, and see whether your current mix lines up with the recommended glide path.
Age guides how much to tilt toward bonds and cash.
Formatting only—no data is saved.
Equities
Fixed income & cash
Answered 0 / 10
Q1. What would you do if your portfolio dropped 5% in a single month?
Q2. What would you do if your portfolio dropped 10% in a month?
Q3. What would you do if your portfolio dropped 20% over a year?
Q4. If markets fell 30%+, how comfortable are you riding through the drawdown?
Q5. How long until you expect to draw meaningfully from this portfolio?
Q6. How stable is your household income or pension coverage?
Q7. How many months of expenses do you have in cash reserves?
Q8. How would you describe your investment experience?
Q9. Which trade-off sounds most appealing today?
Q10. When markets become choppy, how do you typically react?
Complete the inputs to unlock results
- Enter an age between 18 and 100.
- Enter a portfolio balance above $0.
- Provide a percentage for each asset class.
- Ensure your allocation totals 100%. Currently 0.0%.
- Answer all 10 risk questions.
Roth Conversion Bracket Analyzer · Tax Year 2026
Plan Roth conversions without hopping brackets
Lock in 2026 federal brackets, estimate the tax drag of a conversion, and see how much room you still have before stepping into the next marginal rate.
Enter your projected 2026 AGI before any Roth conversion.
Conversion amount is treated as additional ordinary income in 2026.
Taxable income (before conversion)
$103,900.00
Total tax (before conversion)
$17,570.00
Marginal bracket (before conversion)
22%
Taxable income (after conversion)
$103,900.00
Total tax (after conversion)
$17,570.00
Incremental tax from conversion
$0.00
Effective rate on conversion
0%
Room before next bracket
$1,800.00
- Your inputs suggest meaningful planning tradeoffs.
- Small assumption changes can materially change outcomes.
- A coordinated plan can reduce risk and improve efficiency.
Schedule a planning session to confirm you’re optimized and protected against downside scenarios.
Taxable income, total tax, and effective rates assume no Roth conversion.
Taxable income
$103,900.00
Total tax
$17,570.00
Effective tax rate
16.9%
Marginal bracket
22%
Incorporates the selected conversion amount as additional ordinary income.
Taxable income
$103,900.00
Total tax
$17,570.00
Incremental tax
$0.00
Effective rate on conversion
0%
Marginal bracket after conversion
22%
Conversion in current bracket
$0.00
Conversion spilling higher
$0.00
Based on your inputs, your current marginal bracket is 22%.
You can add approximately $1,800.00 of ordinary income (including conversions) before you enter the 24% bracket.
With the selected conversion amount of $0.00, about $0.00 stays in your current bracket and $0.00 is taxed at higher rates.
Real Estate Rental Opportunity Cost Calculator
Compare keeping a rental vs. selling and investing
A simplified 20-year (adjustable) projection of property equity, rental cash flows, and the opportunity cost of investing the same capital in a model portfolio.
1) Property basics
As-of today inputs (no tax modeling in v1).
Total price you paid for the property.
Total depreciation already claimed on your tax returns for this property (optional for now; used for context only in v1).
What the property would likely sell for today.
Outstanding loan balance today.
Current annual interest rate on your mortgage.
Exclude taxes and insurance; just the loan payment.
2) Annual property carrying costs
Assumed to grow with rent growth rate in v1.
Ongoing repairs, upkeep, landscaping, etc.
Major upfront work, catch-up repairs, or transaction costs you are treating as an initial out-of-pocket.
3) Rental income assumptions
Vacancy reduces effective rent.
What you collect when the unit is occupied.
Percent of the year you expect the property not to be rented (e.g., 5–10%).
4) Market & growth assumptions
These drive the long-term outcomes.
Default reflects long-term average U.S. home price growth. Adjust for your market.
Expected average annual increase in rent over the next 20 years.
5–30 years.
5) Portfolio comparison
Compare against Balanced Portfolio (expected 7%/yr).
Reinvest Net Rental Cash Flows into Portfolio?
If enabled, we assume all positive net cashflows from the property are invested into the chosen portfolio each year.
Heads up
- Monthly principal & interest payment is $0. If the loan is active, projections may understate debt service.
Fill out the required fields to unlock results.
Social Security Analyzer
Plot out claiming strategies in seconds
Enter your FRA, projected benefit, chosen claiming ages, and optional work/tax assumptions to see how monthly checks, cumulative lifetime benefits, and tax exposure shift.
Core Social Security Inputs
Used to calculate cumulative lifetime benefits (default 90).
Your estimated monthly benefit when claiming at FRA.
Toggle on/off specific ages (62–70) to focus on the comparisons you care about.
Ages behind you are flagged as hypothetical—they're useful for benchmarking even though they're in the past.
Assuming you live to 90, claiming at age 70 produces approximately $833,280 in cumulative benefits. That's about $174,720 more than claiming at age 62.
Claim at 62
$1,960
Lifetime to 90: $658,560
Claim at 63
$2,100
Lifetime to 90: $680,400
Claim at 64
$2,240
Lifetime to 90: $698,880
Schedule a planning session to confirm you’re optimized and protected against downside scenarios.
Age 62
Monthly benefit · $1,960
Age 63
Monthly benefit · $2,100
Age 64
Monthly benefit · $2,240
Age 65
Monthly benefit · $2,427
Age 66
Monthly benefit · $2,613
Age 67
Monthly benefit · $2,800
Age 68
Monthly benefit · $3,024
Age 69
Monthly benefit · $3,248
Age 70
Monthly benefit · $3,472
62 vs 67
Around age 78.7 the total collected at 67 overtakes claiming at 62. Living past this point favors waiting.
67 vs 70
Around age 82.5 the total collected at 70 overtakes claiming at 67. Living past this point favors waiting.
62 vs 70
Around age 80.4 the total collected at 70 overtakes claiming at 62. Living past this point favors waiting.
Turn on the “Working While Receiving Benefits” toggle to model earnings-test reductions.
$0 of benefits
We assume annual Social Security benefits of $41,664 based on the currently recommended claiming age. Adding other taxable income ($0) and tax-exempt interest ($0) helps identify whether you fall into the 0%, 50%, or 85% inclusion zone.
If your income picture changes, update the optional inputs above to instantly see whether more (or less) of your benefits become taxable.