Free tools
Free financial calculators built by an advisor
Six interactive tools for the money decisions people actually wrestle with: when to claim Social Security, Roth or Traditional, what a conversion really costs, how long savings last, and more. Every one runs entirely in your browser, with no signup and no email gate, and nothing you enter is sent or stored.
Built by Jesse Plunkett, CEPA, CRPC · Last reviewed July 11, 2026 · Verify on 
Social Security Claiming Age
Should you claim at 62, 67, or 70?
Your monthly benefit at every claiming age and the breakeven between 62 and 70, including what most breakeven tools skip: credit for what early checks could earn in the meantime.
Roth vs. Traditional
Which leaves more after tax?
Holds your take-home cost constant so the Traditional deduction gets its full credit, then shows which path wins under your own current and future tax rates.
Roth Conversion True Cost
What does converting really cost?
Shows the brackets a conversion fills and the cliffs it can cross: Medicare IRMAA tiers, the ACA subsidy line, taxes on Social Security, NIIT, and the senior deduction phase-out.
Trump Account Calculator
Trump account, 529, or UTMA?
Puts the same contributions into all three accounts and compares what's left after federal tax for college, a first home, or retirement.
Retirement Withdrawals
How long will your money last?
Savings, spending, and returns in; longevity out. Includes something most calculators skip: how the order of your returns, not just the average, changes the answer.
Savings Calculator
How much could your savings grow?
Age, current balance, and yearly contribution in; a year-by-year illustration of the balance out. A clean look at what steady saving does over decades.
How these calculators handle your data
They don't collect any. Every tool on this page runs its math in your browser the moment you move a slider. Nothing you enter is submitted, stored, or tracked, and there is no account to create. Each page also states its assumptions and what the math deliberately leaves out.
Why an advisor publishes free tools
Most financial calculators online either oversimplify or exist to capture your email. These are built the way I'd want to see the math myself: assumptions out in the open, the common shortcuts corrected, and the limits of each model stated plainly. If they help you think more clearly about a decision, they've done their job.
Common questions
Are these calculators free to use?
Yes. There's no signup, no email gate, and no trial period. They're educational tools published as part of this site. If a calculator raises a question about your own situation, that's what a first call is for, but the tools themselves come with no strings attached.
Do you store what I enter?
No. Every calculation happens in your browser as you move the sliders. Nothing you type or select is transmitted, saved, or seen by anyone, including me. Close the tab and it's gone. That's a deliberate design choice, not a technical accident.
Can I make decisions based on these numbers?
Treat them as a starting point, not an answer. Each tool simplifies on purpose, models federal taxes at most, and depends on assumptions you choose. They're built to show how a decision behaves, not to replace advice from your advisor and tax professional, who can see your whole picture.
Do you work with clients outside Florida?
Almost always. Everything is handled virtually, so where you live is rarely a barrier. The only exception is a handful of states where I'm not registered yet, and if that's you, I'll tell you on our first call.
Recent from The Steward's Desk
A calculator gives you a number. These explain what the number is telling you.
Sequence-of-returns risk: why the first years of retirement carry so much weight
Two retirees, same average return, different outcomes. Why the early years count double.
What is a Roth conversion, and when does it make sense?
Paying some tax now to skip more later: the mechanism, the window, and the side effects.
The behavior gap: why investors trail their own funds
Morningstar keeps finding that investors trail the very funds they own. Where the gap comes from, and what closes it.
Want help reading your results?
A calculator can show you how a decision behaves. It can't see your taxes, your family, or the rest of your balance sheet. A short call can.