Calculators & tools
Helpful calculators for tax-aware early retirement planning. Every tool links to the full explanation behind the math.
CALCULATOR
HSA vs. PPO breakeven
Find the deductible level where an HDSA plan starts beating a PPO for your situation.
CALCULATOR
Portfolio rebalancer
Rebalance across taxable, pre-tax, and Roth accounts without triggering unnecessary taxes.
SPREADSHEET
Withdrawal sequencer
Map out withdrawal order year by year, including 72(t) and Roth conversions
SPREADSHEET
roth Conversion Caclulator
Evaluate the costs and benefits of conversions, including taxes, lost ACA credits, and time-value-of-money