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
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.
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.
