Free Financial Calculators

Most asked about

Should I convert my IRA to a Roth — and how much?

A Roth conversion moves money from a pre-tax IRA into a Roth, taxed now so it grows and comes out tax-free later. Whether it pays depends on your bracket today versus in retirement, how long the money stays invested, and whether you can pay the tax from outside the account. This calculator compares converting against leaving it alone.

Open the Roth conversion calculator

How long will my retirement savings actually last?
Model what your savings support year by year once withdrawals begin, and see how the answer moves with your return assumption, inflation, and how much you take.
Retirement distributions
What will my required minimum distributions look like over time?
Required minimum distributions begin at 73 and rise as a share of the account. Project the full schedule across your lifetime and see what it leaves behind.
RMD stretch projection
What will my heirs have to withdraw from an inherited IRA?
The SECURE Act replaced the lifetime stretch with a ten-year window for most non-spouse beneficiaries. Model what an inherited account requires of the person who inherits it.
Beneficiary RMD
Does refinancing my mortgage actually save me money?
Compare your current mortgage against a new one including closing costs, and find the break-even point where refinancing starts paying for itself.
Should I refinance?
Which debt should I pay off first?
Roll each cleared balance’s payment into the next debt and the payoff accelerates. See the order, the timeline, and the total interest saved.
Debt snowball

Run the numbers before anyone asks you for anything.

Should I convert my IRA to a Roth — and how much?

How long will my retirement savings actually last?

What will my required minimum distributions look like over time?

What will my heirs have to withdraw from an inherited IRA?

Does refinancing my mortgage actually save me money?

Which debt should I pay off first?