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.
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 →