Retirement Benefits & Income

Model retirement savings, inflation, user-entered Social Security, withdrawal-rate sensitivity, income gaps, and retirement-age scenarios.

Project a future savings balance, solve the month-end deposit needed for a goal, or calculate time to goal with an explicit 40-year not-reached result.

Compare an amount across published 2000–2025 BLS CPI-U annual averages or model a clearly labeled constant-rate inflation scenario in either direction.

Allocate exactly 100% of monthly income, compare non-negative actual spending, expose fixed-dollar extras, and review transparent balances and planning ratios.

Project a starting balance and real month-end contributions under annual, semiannual, quarterly, monthly, or daily nominal compounding, with exact deposit and interest reconciliation.

Project deterministic investment growth from a starting value and monthly contributions, with explicit beginning- or end-of-month timing and dollar reconciliation.

Free online Social Security calculator to estimate retirement benefits at ages 62, 67, and 70. Compare claiming strategies and maximize lifetime benefits.

Estimate US federal income tax for 2025–2026. See federal tax owed, effective and marginal rates, and after-tax income by filing status.

Translate an entered annual portfolio draw and draw-rate assumption into a target, then compare it with a deterministic savings horizon.

Reconcile adjusted basis and net proceeds, then apply explicitly entered tax-rate scenarios without selecting brackets or special treatment.

Apply entered in-network deductible, coinsurance, copays, and out-of-pocket maximum terms to an entered allowed-charge scenario, plus premiums.

Project entered HSA contributions, scheduled distributions, and net growth while comparing annual contributions with a verified external limit.

Model a 401(k) balance from current savings, annual employee and employer contributions, a whole-year horizon, and an entered net-return scenario.

Convert salary or hourly pay across frequencies and estimate 2025/2026 US federal, payroll, optional state/local tax, 401(k), and take-home pay.

Project Roth IRA contributions and growth with an entered net return, then compare the annual deposit plan with a verified IRA contribution limit.

Build a dated net-worth statement from eight asset and liability categories, using owned values minus owed balances without liquidity or health scoring.

Simple in-browser notepad with auto-save. Write quick notes that persist in your browser. Download as text file. No signup needed.

Compare two entered monthly living budgets by expense category, or scale a current expense basket with an explicitly entered cost-index ratio.

Estimate seller cash after closing charges, mortgage payoff, liens and settlement adjustments, then subtract a separately estimated tax reserve.

Build a complete monthly household plan with annual bills and savings, or follow dated transactions to find early shortfalls and extra opening cash needs.

Reconcile entered survivor-income needs, obligations, goals, death benefits, and dedicated resources without a coverage or product recommendation.

Plan fixed-rate mortgage payments, conventional PMI milestones, extra principal payments and remaining cash to close. Compare a separate income-based affordability scenario.