🧭 Retirement & Life Transitions

The big one-time decisions — when to claim Social Security, lump sum or pension, convert or not, downsize or stay — compared side by side, plus the planning tools that feed them.

• Social Security Break-Even CalculatorClaim at 62, 67, or 70? Break-even ages and lifetime totals, charted.
• Pension Lump Sum CalculatorCan the lump sum replicate your pension? Depletion curve and hurdle rate.
• Roth Conversion CalculatorPay the tax now or later? Both paths after tax, side by side.
• Retirement Withdrawal CalculatorFind out how long your retirement savings will really last.
• RMD CalculatorThis year's required IRA or 401(k) withdrawal, from the current IRS table.
• Longevity Planning CalculatorSSA longevity data turned into a planning age — averages, odds, and honesty.
• Long-Term Care Cost CalculatorWhat care really costs — 2025 medians, projected to when you might need them.
• Downsizing CalculatorSell and downsize or stay? Freed equity, monthly savings, payback year.
• Annuity Payout CalculatorMonthly annuity payments, payout duration, or a lottery annuity schedule.
• Reverse Mortgage CalculatorRough HECM reverse mortgage proceeds from age, home value, and rate.
• S&P 500 Investment CalculatorSee what a past S&P 500 investment would be worth today.
• Capital Gains Tax CalculatorTax on a property sale after basis, selling costs, and the home-sale exclusion.
• TVM CalculatorSolve any of the four TVM variables — FV, PV, payment, or years.
• Superannuation CalculatorProject a super balance: 12% of salary, compounding for decades.