Federal income tax, 401(k), Roth IRA, self-employment tax, and Social Security tools.
Model 2025/2026 US federal income tax brackets, paycheck deductions, 401(k) employer matches, IRA growth, and capital gains taxes.
Planning Essentials
Project 401(k) retirement balance growth, compound returns, and employer matching contributions.
Calculate federal short-term vs. long-term capital gains taxes on stocks, real estate, and crypto assets.
Estimate annual income tax using a generic progressive model with deductions.
Project future tax-free retirement wealth and compound investment growth in a Roth IRA.
Calculate 15.3% Social Security and Medicare SE tax liabilities, wage base caps, and the 50% above-the-line deduction.
Estimate monthly Social Security benefits comparing claiming at age 62, Full Retirement Age (67), and age 70.
Calculate upfront tax savings, tax-deferred compounding, and future taxable retirement distributions.
Calculate 2025/2026 IRS federal income tax liabilities, marginal brackets, standard deductions, and effective tax rates.
Planning Framework
Financial planning requires evaluating trade-offs across multiple interconnected variables. Clear mathematical models help turn complex money questions into structured, confident decisions.
