Capital Wealth · The ToolsCapital Wealth · The ToolsThis is the working library of the math that drives retirement decisions: what a fee actually costs, whether the nest egg covers the spending, what the IRS will make you withdraw, when a Social Security check is worth waiting for, and how much life insurance the DIME method says you need. Every formula is the one we’d use on the phone with you — nothing is hidden, and nothing is stored: the numbers you enter stay in your browser.
A calculator is not a plan — it’s the honest first draft of one. Each model below isolates one decision and shows you the machinery: move a slider, watch the verdict change, and notice which input moves the answer most. That sensitivity is usually the real finding — it tells you where your plan actually lives.
Each tool pairs with a deeper page that explains the decision behind the math — the map is in section 02 below. Run the numbers first; read the reasoning second; then bring both to a conversation.
See the real lifetime cost of a 1% fee on a 403(b), 401(k), or IRA account over decades.
Enter savings, contributions, and spending — find out if you will run out and when.
Your RMD at age 73+ based on IRS Uniform Lifetime Table (2026 factors).
Calculate the breakeven age for delaying benefits — when does waiting pay off?
Debt + Income replacement + Mortgage + Education — how much coverage you need.
Our full CalSTRS/CalPERS pension-maximization calculator with age factors & life insurance comparison.
Type your own balance, deposits and rates. See the balance, the net rate of return, what dividends added and what fees cost, and compare an advisory account, an index fund and a buffered annuity segment.
Open Investing 101 →Age factor tables, beneficiary reductions, COLA-compounded forfeiture, and life insurance crossover comparison.
Open Pension-Max Calculator →| Calculator | What it settles | The deeper page |
|---|---|---|
| 01 · Fee Impact | What a 1% fee costs over an accumulation lifetime | 401(k) Fee Review · 403(b) Fund Comparison |
| 02 · Retirement Shortfall | Whether the nest egg sustains the spending — and if not, what closes the gap | The 4% Rule · Sequence of Returns |
| 03 · RMD | The withdrawal the IRS requires at 73+, by Uniform Lifetime Table factor | 2026 Tax Numbers · Tax-Efficient Withdrawal |
| 04 · Social Security Breakeven | 62 vs FRA vs 70 — which claim wins at your life expectancy | Social Security Timing |
| 05 · Life Insurance (DIME) | The target death benefit from debt, income, mortgage, and education | Life Insurance |
| 06 · Pension Max | The CalSTRS/CalPERS survivor-election decision, with age factors and crossover | Pension Maximization |
Run the model, then argue with it. If a result surprises you — the fee number usually does — the next step isn’t a bigger spreadsheet, it’s a conversation about which assumptions actually describe your life. That’s POLARIS steps 2 and 3: organize the real numbers, then test the current course against them.
Fifteen minutes, one conversation — bring the result that surprised you and the assumptions you weren’t sure about. We’ll tell you honestly whether the model’s verdict survives contact with your actual situation.
Begin step one — book the review → Or take the risk quiz first →