Free retirement and tax-planning tools
Quantify your situation in minutes. Each tool produces a detailed personalized analysis emailed to you — free, no obligation. Want to talk through what the numbers mean for your specific portfolio, tax bracket, and timeline? Schedule a complimentary 30-minute review with Tim Travis — no fee, no obligation, no pressure.
Available now
Dynamic Wealth Record →
A complete record of everything you own — accounts, real estate, insurance, business interests, and the people to call — built into one document you can hand to your spouse or children. We’ll assemble it for you, free, in exchange for a 45-minute review.
Your whole financial picture in one place — hand-it-to-your-family ready.
Retirement Planning Scenario →
One intake, four decisions: Roth conversion, RMD trajectory, Social Security claim age, and the tax-torpedo / IRMAA ceiling on conversions. The four are joined at the hip in real planning — this tool runs them as one coherent picture.
All four pillar calculators on a shared input set, with a unified PDF report.
Retirement Calculator →
Monte Carlo projection (10,000 simulated paths) of whether your portfolio is on track to last through retirement. Inputs: current age, retirement age, portfolio value, monthly contribution, expected return, withdrawal rate, Social Security, retirement length.
~3 minutes. Personalized projection emailed to you as a detailed PDF.
Financial Questionnaire →
Discovery questionnaire that produces a personalized investment-profile summary — goals, time horizon, and risk-tolerance score mapped to one of five investor-profile bands. The right starting point if you’re considering an advisory relationship.
~5 minutes. Results emailed to you.
Roth Conversion Calculator →
Should you convert from a Traditional IRA to a Roth this year? Project the after-tax wealth difference at retirement based on your current and expected retirement tax rates.
~3 minutes. Personalized analysis emailed to you.
RMD Calculator →
Required Minimum Distribution math. Inputs: birth year, prior year-end balance, expected return, marginal tax rate, optional spouse age, optional charitable giving (QCD). Outputs: this year’s RMD, year-by-year projection through age 95, and the lifetime tax bill.
~2 minutes. Uses the IRS Uniform Lifetime Table and SECURE Act 2.0 start ages.
Social Security Claim Optimizer →
62 vs FRA vs 70 break-even analysis. Inputs: birth year, monthly benefit at FRA (PIA), life expectancy, optional spouse details. Outputs: lifetime benefits at every claim age 62–70, optimal claim age, household coordination.
~2 minutes. Models the SSA reduction and Delayed Retirement Credit formulas.
Tax-Torpedo & IRMAA Calculator →
For retirees in the Social Security taxability band. Inputs: filing status, SS benefit, other ordinary income, marginal rate. Outputs: effective marginal rate (1.5x or 1.85x nominal in the torpedo zone), 2026 IRMAA cliffs with headroom, and your safe Roth-conversion ceiling.
~2 minutes. Models IRC §86 SS-taxability and 2026 Medicare Part B+D surcharge thresholds.
Sequence-of-Returns Monte Carlo →
The single biggest determinant of real-world retirement outcomes isn’t your average return — it’s when the bad years happen. Two retirees with the same average can end up flush or broke depending on whether bad years hit early or late.
5,000-trial Monte Carlo with explicit first-decade-quartile decomposition.
Retirement Readiness Check
Put your savings next to your expenses and guaranteed income — Social Security, pension, annuity — and get a plain-English surplus or shortfall verdict in seconds.
Check your readiness →Estate Planning Organizer
An adaptive checklist of the documents, designations, and decisions in your estate plan. Get a complexity read and a personalized PDF of what’s in place and what’s missing — ready to hand to your attorney and CPA.
Organize your plan →Estate Tax Exposure
The federal exemption is high — but 12 states and DC tax estates with thresholds far below federal. See your federal + state exposure with one input form.
Check your exposure →Annual Gifting Strategy
What does 20 years of consistent annual-exclusion gifting actually shift out of your taxable estate? The compounding math is bigger than you think.
See the lift →Inherited IRA Calculator
Non-spouse heirs must drain inherited IRAs within 10 years. See the federal tax bill on a Traditional inheritance vs. what a Roth conversion would deliver instead.
See the inheritance math →IRMAA Calculator
Planning a Roth conversion? See exactly which Medicare premium tier you’d cross, what the household surcharge would be, and the 2-year lookback that determines when it hits.
Map the cliffs →Life Insurance Calculator
Two modes in one tool: income replacement for younger families (DIME method) and estate-liquidity sizing for households whose heirs will face a multi-million-dollar estate-tax bill.
Size your coverage →Annuity Calculator
Turn a lump sum into guaranteed lifetime income (SPIA), or project tax-deferred growth on money you won’t touch for years — with the honest trade-offs on whether an annuity belongs in your plan at all.
Run the numbers →Whole vs. Term Life
Run the comparison honestly. See whether investing the premium savings beats whole-life cash value over your horizon, and the cases where permanent coverage actually wins.
Compare the two →Long-Term Care Cost Calculator
Nursing-home median runs $100K–$180K/year depending on state. See your projected exposure and whether to self-insure vs. consider a hybrid LTC policy.
See the exposure →Estate Planning Primer
A plain-English walk-through of beneficiary designations, revocable vs. irrevocable trusts, step-up in basis, and charitable strategies.
Read the primer →Reverse Mortgage / HECM Calculator
The peer-reviewed strategy: open a HECM line-of-credit while you don’t need it, let the unused credit line grow, then draw on it during market drawdowns to avoid selling portfolio assets at the bottom.
See the standby strategy →Want personalized analysis?
The tools above are educational. They give you a useful starting point but they don’t know your specific tax structure, account composition, family situation, or goals. That’s the conversation.
A 30-minute consultation with Tim Travis will walk through your specific situation: where compounding is working for you, where it’s leaking, and what changes would have the most impact. No fee, no obligation, no pressure.
Want to learn the concepts first?
Each of these education pieces explains the framework behind one or more of the tools above. Worth reading before (or after) running a calculation so the output isn’t just numbers.
- The Math (and Discipline) of Compounding — pairs with the Retirement Calculator
- Sequence-of-Returns Risk — pairs with the Retirement Calculator and the (upcoming) Social Security tool
- Safe Withdrawal Rates: The 4% Rule and Why It’s a Starting Point
- Required Minimum Distributions — pairs with the upcoming RMD Calculator
- Social Security Claiming Strategies — pairs with the upcoming SS Claim Optimizer
- Roth vs. Traditional IRA — pairs with the upcoming Roth Conversion Calculator
- Visit the full Education Portal →
Disclosures
The tools and content on this page are educational and illustrative. They use general assumptions and are not personalized investment, tax, or legal advice. Specific recommendations require a review of your individual circumstances. Past performance does not guarantee future results. T&T Capital Management is an SEC-registered investment adviser. Registration with the SEC does not imply a certain level of skill or training.
