Tools · Guided planning exercises
Work a whole decision through, step by step
A calculator answers one number; these walk you through a decision with several moving parts — a few steps each, saved in your browser as you go, ending in a summary you can print, email to yourself, or bring to a professional.
Quick calculators
3–5 minutes each
One question, one clear number — with the assumptions shown and a chart or table to back it up. Results appear as you type.
Guided planning exercisesYou're here
10–20 minutes each
A few linked questions across several steps, ending in a structured summary you can print or save. For decisions with more than one moving part.
The full retirement plan
10–15 minutes, then explore
Everything together: income by source, spending, savings over time, taxes, and side-by-side scenarios. The place to start when you want the whole picture.
Guided exercise · 6 steps · ≈ 8 min
Start hereRetirement Readiness Assessment
Walk through ten areas of retirement preparation and get a category-by-category status — with the reasoning shown, not a black-box score.
BeginGuided exercise · 2 steps · ≈ 4 min
Personalized Retirement Timeline
Turn the retirement rulebook into your calendar: every age-based milestone from catch-up contributions to RMDs, with your actual years attached.
BeginGuided exercise · 4 steps · ≈ 7 min
Retirement Paycheck Builder
Design the monthly paycheck your retirement will run on: the transfer amount, the cash buffer, and which accounts to draw first.
BeginGuided exercise · 3 steps · ≈ 5 min
Rollover Decision Tool
Answer a few questions about an old 401(k) and see which considerations favor keeping it, moving it to a new plan, or rolling to an IRA — with the trade-offs stated.
BeginGuided exercise · 3 steps · ≈ 6 min
Multi-Year Roth Conversion Planner
Sketch a year-by-year conversion schedule that fills your target bracket between now and RMDs — with the tax cost of each year shown.
BeginGuided exercise · 4 steps · ≈ 6 min
Annual Retirement Review
A once-a-year checkup that turns your answers into a personalized review sheet — what held steady, what drifted, and what to do before December 31.
BeginGuided exercise · 3 steps · ≈ 6 min
Social Security Decision Worksheet
Work through the claiming decision the way a planner would: your numbers, your health and cash-flow answers, and the considerations each one raises.
BeginHow these differ from calculators
A calculator answers a focused numerical question the moment you type. A planning tool asks a handful of questions across a few steps, then assembles a plan — with the reasoning shown, the uncertainties named, and the decisions that deserve professional advice flagged. Your progress saves in this browser automatically; nothing you enter is uploaded.