Financial Tools & Calculators
Making smart financial decisions starts with knowing your numbers. These calculators require no sign-up and deliver real answers instantly. Nothing you type in is stored or shared. Built for corporate employees, utility and energy professionals, aerospace and defense workers, physicians, business owners, and families navigating complex financial situations, exactly the kinds of people I work with every day.
Each tool answers a specific question I hear from clients. Pick yours. Run the math. The number is the easy part. How to coordinate it across your accounts, when to act for tax efficiency, and how the next life event reshapes the answer, that's where I can help.
Telecom pension, deferred compensation, and benefits packages are among the most complex in the industry. This suite of calculators helps you model pension vs. lump sum decisions, deferred comp risk, and how your benefits fit into your overall retirement picture. Especially useful for: current and former telecom employees approaching retirement decisions.
Six calculators built around the decisions utility employees actually face: estimate your Final Pay or Cash Balance pension, model early retirement reduction factors, project how long your RMSA will last, and find the 401(k) spillover election that captures your full match. Especially useful for: utility employees in the Final Pay or Cash Balance plan navigating retirement timing and benefits elections.
One of the most common mistakes I see: employees leaving thousands in employer match uncaptured, or hitting tax season with a surprise bill because their RSU withholding was set wrong. This calculator shows you exactly what percentage to set, what it does to your paycheck, and how to catch up if you're mid-year. Especially useful for: telecom, utility, Raytheon, Honeywell, and Fortune 500 employees with complex compensation packages.
RSUs, stock options, and ESPPs are taxed differently, and your employer's default withholding is often not enough. This tool estimates your actual tax liability on equity compensation so you're not caught off guard at filing time. Especially useful for: tech professionals, corporate employees, and anyone with vesting events this year.
See exactly what your 401(k) will be worth at retirement with any employer match structure. Enter your salary, contribution rate, and match formula and get year-by-year growth, a breakdown of your contributions vs employer match vs investment gains, and a flag if you're leaving match money on the table. Especially useful for: anyone who wants to stress-test their savings rate or hasn't run the numbers since starting their job.
Converting pre-tax retirement savings to Roth can save significantly on lifetime taxes, but timing and amount matter. This calculator helps you find the right conversion amount based on your current bracket, future income expectations, and retirement timeline. Especially useful for: high earners in a transitional year, early retirees, and anyone approaching RMD age.
Are you on track? This tool takes your current savings, income, expected retirement age, and spending needs and gives you a straight answer, along with what it would take to close any gap. Especially useful for: anyone within 10–20 years of retirement who hasn't run the numbers recently.
If your business is a significant part of your net worth, your exit strategy is your financial plan. This scorecard walks you through the key factors that determine business value, timing, and what you'll actually walk away with after taxes. Especially useful for: business owners thinking about selling in the next 3 to 10 years.
California's income tax is among the highest in the country. This calculator estimates your potential annual tax savings from establishing Nevada residency — factoring in income type, asset levels, and planning opportunities. Especially useful for: California residents with high W-2 income, RSUs, or significant investment income considering a move.
Discover the hidden complexity of your estate across 9 risk factors - multi-state property, business succession, blended families, and more.
Inherited an IRA? The rules changed dramatically under the SECURE Act. This tool classifies your beneficiary type, shows your required distributions, and compares withdrawal strategies side-by-side, with tax-bracket-aware projections based on your actual income. Especially useful for: adult children who inherited a parent's IRA, surviving spouses weighing rollover options, and anyone navigating the 10-year rule.
When should you start collecting? Slide through every age from 62 to 70 and see your monthly check, break-even point, and total lifetime benefits. Includes spousal strategy, earnings test, IRMAA impact, and 6 common myths debunked in plain English. Especially useful for: anyone within 5 years of claiming, married couples coordinating strategies, and anyone wondering "will I ever get my money's worth?"
How much must you withdraw from your IRA this year? This calculator uses the 2026 IRS Uniform Lifetime Table to show your exact RMD, the tax hit on your bracket, QCD optimization opportunities, IRMAA Medicare surcharge warnings, and a multi-year balance projection. Especially useful for: retirees age 73+, anyone approaching RMD age, and those considering Qualified Charitable Distributions to reduce taxable income.
See how much guaranteed monthly income your savings could generate through an immediate income annuity. Adjust premium, age, and payout options for instant estimates.
See how compound returns, dividends, and reinvestment transform your investment over time. Map your wealth trajectory to real-world milestones and model the impact of market corrections.
See your income, expenses, taxes, Social Security, portfolio withdrawals, and one-time goals laid out year by year, from today through the end of your plan. Every row is a year. Every column tells you something important. Especially useful for: anyone within 10-20 years of retirement who wants to understand where their money is coming from and going, and whether the numbers actually work.
Markets don't move in straight lines. Run 1,000 simulations to see the full range of outcomes for your portfolio, from great markets to tough ones. Includes retirement drawdown mode to see what percentage of scenarios keep you funded through your full horizon. Especially useful for: anyone stress-testing a retirement plan, evaluating withdrawal rates, or modeling sequence-of-returns risk.
If you’re a corporate or Fortune 500 employee trying to maximize your 401(k), start with the withholding calculator. If you have RSUs or stock options vesting this year, the equity compensation calculator is your first stop. Physicians and high-income earners often find the Roth conversion tool most valuable. Business owners planning an exit should start with the scorecard. And if you’re a telecom or utility employee with pension decisions ahead, the Telecom Pension Suite and Utility Pension Suite were built specifically for you.
All tools require no login and are updated for 2026 tax law including SECURE 2.0 catch-up contribution changes. Results are estimates for educational purposes. For a personalized analysis, schedule a conversation with Jay.
These tools give you a starting point. I can help you build a complete plan around what they show. Just a real conversation about your situation.
Schedule a conversation with Jay →