Financial Tools

Interactive Calculators

Use our interactive financial calculators to plan your retirement, understand compound interest, and project investment growth with clear, actionable results.

Hypothetical illustrations: Calculator outputs are educational projections based on the assumptions you enter. They are not investment advice and do not predict actual results. Investments involve risk including possible loss of principal. Past performance is not indicative of future results.

Retirement Plan

Model your full lifetime — accumulating savings during your working years, then drawing them down through retirement. See your projected nest egg, how long your money will last, lifetime taxes, and ending estate, with live comparisons across three withdrawal strategies.

Phase 1

Working Years

Current Age

Retirement Age

Tax-Deferred (401k/IRA) ($)

Roth Balance ($)

Taxable Balance ($)

Cost Basis in Taxable ($)

Monthly Contribution ($)

Contribution Allocation (must total 100%)

Tax-Deferred80%

Roth20%

Taxable0%

Accumulation Return7.00%

Phase 2

Retirement Years

End-of-Plan Age

Filing Status

Annual Spending Need ($)

Social Security / Pension ($)

Withdrawal Strategy

Retirement Return5.00%

Inflation2.5%

Nest Egg at Retirement

$2,194,949

Money Lasts Until

Age 92+

Annual Spending (today $)

$80,000

Ending Estate

$1,011,467

Lifetime Taxes

$432,111

Years in Retirement

27 yrs

Withdrawal Strategy Comparison

Conventional

$1,011,467

Tax: $432,111

Proportional

$1,100,822

Tax: $369,469

Bracket Fill

$1,052,649

Tax: $370,894

Accumulation phase assumes a constant monthly contribution and steady return — salary growth, employer matches, and contribution-limit changes are not modeled. Retirement phase uses 2026 projected federal brackets only; LTCG stacks above ordinary income; RMDs apply at age 75. Social Security taxation, IRMAA, state taxes, and sequence-of-returns risk are simplified — consult your advisor.

Disclaimer: These calculators are provided for educational and illustrative purposes only. They are not intended to provide financial advice. Actual investment results may vary significantly from the projections shown. Past performance does not guarantee future results. Please consult with a qualified financial advisor before making investment decisions. Contact Perissos Private Wealth Management for personalized financial guidance.