Free tools & calculators

Widow's Penalty Calculator

See the extra federal tax a surviving spouse pays every year filing Single.

RMD Escalator (2026)

Watch how required distributions grow — and force higher taxes — after 73.

Inherited IRA / 10-Year Rule

Estimate what your heirs will owe draining a traditional IRA over ten years.

Roth Conversion Break-Even

Find the year a conversion pays back its tax cost — and starts winning.

How Much to Convert

Size a conversion that fills a bracket without spilling into the next one.

QCD Calculator

See how much tax a charitable IRA distribution can save you this year.

Whose Tax Bill Are You Solving For?

A 2-minute quiz that names your biggest exposure and the lever you're missing.

The 4-Box Advisor Scorecard

Score any advisor against the four boxes this strategy actually demands.

Dip Alerts

Get notified when a real Roth conversion window opens in the market.

100 Years of Tax Rates

The one-page chart that explains why today's rates are historically cheap.

The 30-Day Build

The day-by-day checklist from the book — get ready to convert on the next dip.