Compound growth, capital gains, 401k vs Roth, estate tax — plan your future
Investing for retirement involves complex decisions: traditional vs Roth accounts, capital gains tax implications, required minimum distributions, and estate planning. This toolkit brings together compound interest calculators, capital gains estimators, 401k vs Roth comparisons, RMD calculators, and estate tax planners — all free and private.
Project compound growth and calculate capital gains tax.
Calculate investment growth with monthly contributions + inflation adjustment
Know your after-tax gain before you sell stocks or crypto
Know your after-tax crypto profit before you sell
Risk quiz or age-based allocation — dollar breakdown and 10-year projection
Calculate yield, after-tax income, project DRIP reinvestment growth
Compare 401k vs Roth IRA and calculate Required Minimum Distributions.
Which retirement account makes you richer in 30 years?
Required Minimum Distribution from retirement accounts — IRS Uniform Lifetime Table
Project future college costs, estimate 529 growth, find monthly contribution needed
Calculate estate tax and organize your digital estate.
The key question is whether your tax rate in retirement will be higher or lower than your current rate. If you expect to be in a higher bracket in retirement, choose Roth (pay tax now, withdraw tax-free). If you expect a lower bracket, choose traditional 401k (defer tax now, pay later). Our calculator compares both options with your specific inputs.
Short-term gains (assets held under 1 year) are taxed as ordinary income. Long-term gains (held over 1 year) are taxed at 0%, 15%, or 20% depending on your income bracket. Our Capital Gains Calculator factors in your income, filing status, and holding period.
RMDs are mandatory withdrawals from traditional retirement accounts (401k, traditional IRA) starting at age 73 (as of 2026). The amount is calculated by dividing your account balance by a life expectancy factor from the IRS Uniform Lifetime Table. Our RMD Calculator handles this automatically.
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