Retirement planning tools
Everything beyond the core 403(b) calculator lives here — tools for comparing states, stress-testing a plan against market variability, and planning as a household. Every one of them runs in your browser, free, with no sign-up: nothing you type is sent anywhere.
Which one do I need?
- Thinking about moving? Start with State Tax Comparison — it prices the same pension in up to five states.
- Wondering if you will have enough? The Projection Suite answers it as odds across hundreds of market histories, not one optimistic line.
- Offered a lump sum? Pension vs Lump Sum turns the cheque into the one number that decides it — the return it would have to earn.
- Stopping work before 65? The Health Insurance Bridge prices the gap years before Medicare — the line most early-retirement plans forget.
- Retiring as a couple? Joint / Household Analysis is the only one that adds both pensions, one tax bill and the survivor scenario.
Paid plans deepen these tools — charts, after-tax figures, survivor and timing analysis — but never lock you out of them. See what each plan adds →
Everything here runs in your browser and needs no account. Paid plans add depth — charts, schedules, after-tax figures — never access.