Rebuilt StudioRebuilding your Retirement

Financial Calculators.

Free tools from Rebuilt Studio to help you make smarter financial decisions.

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Roth Conversion Analyzer

A Roth conversion could save you six figures in taxes — or cost you. See your numbers before you decide.

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Social Security Optimizer

Claiming at the wrong age could cost you $100,000+. Find your optimal strategy in minutes.

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FERS Pension Estimator

Estimate your federal pension with High-3 projection, COLA adjustments, FERS Supplement, and survivor benefit options.

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Medicare IRMAA Calculator

IRMAA surcharges can triple your Medicare premiums. Find out if your income puts you at risk.

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TSP Withdrawal Planner

Model your TSP accumulation and withdrawal strategy — see if your savings will last through retirement.

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Estate & Gifting Planner

The $13.6M exemption sunsets soon. Model gifting strategies now before the window closes.

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Backdoor Roth Analyzer

High income? A backdoor Roth could be your best tax-free growth strategy. See if it works for you.

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Tax Bracket Projection

Project your tax brackets into retirement and find the optimal years for Roth conversions and income planning.

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RMD Calculator

The IRS won't remind you — and the penalty is 25%. Project your Required Minimum Distributions now.

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401(k) Maximizer

If you're not maxing out your 401(k), you could be leaving free money and tax savings on the table.

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Federal Benefits Gap Analysis

See if your federal benefits — pension, TSP, and Social Security — will cover your retirement income needs.

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FEHB & Medicare Coordination

Compare FEHB-only vs. FEHB + Medicare to find the healthcare strategy that saves you the most in retirement.

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Retirement Tax Calculator

Your tax-deferred savings have a hidden price tag. Uncover what your retirement will actually cost in taxes.

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Withdrawal Longevity Planner

Will your money outlast you — or will you outlast your money? Find your answer in under 2 minutes.

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NUA Strategy Analyzer

Employer stock in your 401(k)? NUA could save you tens of thousands in taxes. Run the comparison.

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Inherited IRA Calculator

The SECURE Act changed everything. Model 10-year distribution strategies to minimize your tax hit.

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Annuity Tax Efficiency Analyzer

Tax drag silently eats your returns every year. See how much tax-deferred growth could save you.

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Pension vs. Lump Sum Analyzer

This decision is irreversible and worth hundreds of thousands. Run the numbers before you choose.

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Tax Rate Visualizer

Most people confuse marginal and effective rates. See exactly how your income flows through each bracket.

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Tax Bracket Explorer

Most people misunderstand how brackets work. See exactly where every dollar of your income is taxed.

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Savings Growth Projector

See how compound interest turns small, consistent contributions into serious wealth over time.

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Inflation Impact Calculator

At 3% inflation, your purchasing power drops nearly in half over 20 years. See the real number you need.

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College vs. Retirement Planner

Your kids can borrow for college — you can't borrow for retirement. See how to fund both.

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Debt vs. Invest Calculator

Pay off debt or invest the difference? The math might surprise you. See the side-by-side comparison.

Save Now vs. Later Calculator

Waiting just 5 years to start saving could cost you six figures. See the real price of procrastination.

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Life Expectancy Estimator

Every retirement plan hinges on one number: how long you'll live. Get a personalized estimate.

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Gold Price Projection

Where is gold headed — and how does it stack up against the dollar's decline? See the projections.

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Federal Retirement Planner

Complete federal retirement planning — pension, TSP, healthcare, and gap analysis in one comprehensive tool.

Retirement Readiness Score

Are you actually on track — or just hoping? Get your personalized readiness score in 60 seconds.

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Silver Price Projection

Silver is the most undervalued precious metal. Project future prices with live ratio analysis.

Disclaimer: This calculator is for educational and informational purposes only and does not constitute financial, tax, or investment advice. Results are estimates based on the assumptions and inputs provided and are not guaranteed. Actual outcomes may vary. Consult with a qualified financial advisor or tax professional before making any financial decisions.