Ten calculators. No email required. Pain-first framing — because seeing the real number is step one.
What's the monthly gap between your guaranteed income and what you need?
Run it → CalculatorHow large is the mandatory tax bill waiting at age 73?
Run it → CalculatorWhen should you claim — and how much does timing cost you?
Run it → CalculatorHow much tax can a Roth conversion save over 20 years?
Run it → CalculatorAre your accounts balanced across tax buckets?
Run it → CalculatorHow long does your plan need to last?
Run it → CalculatorWhat happens if the market drops in year 1 of retirement?
Run it → CalculatorFull retirement income timeline — source by source.
Run it → CalculatorDoes 3%, 4%, or 5% make your money last?
Run it → CalculatorHow much extra will you pay for Medicare based on income?
Run it →The gap between your guaranteed monthly income and your actual monthly expenses is the single most important number in your retirement plan. Everything else — withdrawal strategy, product decisions, Roth conversions — is built around closing this gap.
Every dollar sitting in a traditional IRA or 401(k) will be taxed as ordinary income when the IRS forces you to take it out — starting at age 73. The question isn't whether this happens. It's how large the bill will be and whether you've done anything to defuse it.
Converting traditional IRA funds to Roth in low-income years before RMDs begin can reduce your lifetime tax bill dramatically. This calculator estimates the 20-year tax savings of a strategic conversion.
The classic 4% rule says you can withdraw 4% of your portfolio in year one and adjust for inflation — and your money will last 30 years. But what does 3%, 4%, or 5% actually look like for your portfolio size?
IRMAA (Income-Related Monthly Adjustment Amount) surcharges are triggered when your modified adjusted gross income exceeds certain thresholds — and they're based on income from two years prior. One large withdrawal can cost you thousands.
A 65-year-old couple has a 50% chance one spouse reaches 90, and a 25% chance one reaches 95. Most retirement plans aren't built for that. This calculator shows how long your plan needs to last — and what happens if it falls short.
The same average return can produce dramatically different outcomes depending on when bad years hit. A 30% drop in year 1 of retirement is catastrophic. The same drop in year 15 is survivable. This shows you why the order of returns matters as much as the average.
A simplified income projection — showing where your money comes from, year by year, through retirement. Enter your sources and see how long they carry you.
Most pre-retirees have almost everything in tax-deferred accounts — which means almost everything will be taxed as ordinary income in retirement. This scorecard shows how balanced your tax buckets really are.
The calculators give you the shape of the challenge. A full income review gives you the plan. 20 minutes, no charge, no commitment.
Schedule Free Income Review →Tempered Wealth Management is an independent financial services practice. Insurance products and services are offered through Tod Long, NPN 7569078, licensed in 30+ states. This website is for informational purposes only and does not constitute investment, tax, or legal advice. Calculators are illustrative tools only — results are estimates and not guarantees. Past performance is not indicative of future results.
Social Security Timing Optimizer
Claiming at 62 vs. 70 is a difference of up to 77% in monthly benefit — permanently. This calculator shows you the breakeven age and lifetime value at each claiming strategy.
Estimated lifetime total