No opinions. Just the math.

Retirement Math Tools

Free calculators based on current IRS rules. Your data stays in your browser — nothing is stored on our servers.

⟳

Roth Conversion Breakeven Calculator

How long until a Roth conversion pays off?

Projected After-Tax Value Over Time

All calculations based on current IRS rules. This is a mathematical simulation, not financial advice.
Consult a qualified tax professional for your specific situation.

Watch the Math

Deep dives into retirement tax mechanics

Roth Breakeven
ROTH

The Roth Conversion Breakeven: When $50K Actually Pays Off
SS $182K Mistake
SOCIAL SECURITY

The $182,000 Social Security Mistake
SS Tax Torpedo
TAX TORPEDO

Social Security Taxed at 85%: The $1 Trap Most Retirees Miss
MM

Money Mechanics

We break down retirement tax math — Roth conversions, Social Security, IRMAA, RMDs, and more. Every number is verified against current IRS rules. No opinions, no products to sell, no financial advice. Just the math so you can make your own decisions.

Subscribe on YouTube