FREE CALCULATORS / NO SIGN-IN
Run the numbers on one decision.
Each calculator answers one specific question with your own numbers, shows its assumptions, and says what it does not cover.
✓ No sign-in✓ No payment card✓ 2026 federal rules
- MARKET DROPMarket drop and withdrawal rateSee how a portfolio decline changes your retirement withdrawal rate.Open calculator →
- ROTH OR TRADITIONALRoth or traditional: which leaves you more after tax?Compare the after-tax result of a Roth and a traditional contribution at the same take-home cost.Open calculator →
- MORTGAGE OR INVESTPay down the mortgage, or invest the money?Put a lump sum toward the mortgage or invest it, compared on the same timeline.Open calculator →
- HOW MUCH IS ENOUGHHow much do you need to retire?Turn the spending you want into a savings target, a projection and a coast number.Open calculator →
- CONCENTRATED STOCKSell it all this year, or spread the sale out?Compare federal tax on selling a large position at once with selling it over several years.Open calculator →
- RSUSRSUs: the income at vesting and the gain when you sellSeparate the wage income at vesting from the gain or loss when you sell.Open calculator →
- STOCK OPTIONSExercising ISOs: the cash cost and the AMT adjustmentSee the cash to exercise ISOs, the AMT adjustment and the qualifying sale date.Open calculator →
- MEGA BACKDOOR ROTHHow much room is there for a mega backdoor Roth?Find your 2026 after-tax 401(k) room and see how a Roth transfer would split.Open calculator →
- SURVIVOR & HOMEAfter a spouse dies: the home’s basis and the gain on a saleSee how ownership at a spouse’s death changes a home’s basis and sale gain.Open calculator →
- GIFT OR INHERITANCEGive it now, or leave it as an inheritance?Compare the recipient’s basis and gain after a gift versus an inheritance.Open calculator →
WHEN YOU’RE READY FOR MORE CONTEXT
See every decision inside a full plan.
Explore retirement cash flow, compare scenarios and review the assumptions in a free Amicus sample plan.