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Every tool here exists because a question needed a real answer — not a rule of thumb. Free, no sign-up, and everything runs in your browser.
Money & retirement
Built alongside 清醒指南 on YouTube · new tool with each episodeSocial Security: eight tools, in the order you need them
“Wait until 70” is the standard advice. It answers about a third of the question. These eight calculators work through the rest, in order.
- Are you even eligible? 40 credits — and why years worked in Taiwan, China or Hong Kong count for nothing
- Your actual PIA, from your pasted SSA earnings record: AWI indexing, top 35 years, bend points
- Break-even age, your odds of reaching it from the SSA cohort life table, spousal vs survivor, the earnings test, and how much of it is taxable
67 of 100 women do.
86 of 100 couples — at least one.
401(k): eight tools, in the order your life asks them
From “how much should I put in” to “the government now makes me take it out”. Every figure traced to a statute — §402(g), §411(a)(2)(B), §72(p), §415(c), §401(a)(9).
- Capture the match, then Roth vs traditional — the one comparison the whole choice rests on
- Vesting, fees, and what it really costs to take money out before 59½
- Changing jobs: four paths side by side, the 60-day trap, and what RMDs do to you at 73
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Earlier tools
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