Free tools · no sign-up
Retirement planning tools
Quick, no-pressure estimates to help you think through the big retirement decisions — income, Social Security timing, withdrawals, and the cost of care in Utah. Built on published federal and industry figures, and framed as estimates, not advice.
Annuity break-even
See how long an income annuity's payments take to return your premium — and where guaranteed income pulls ahead.
Open tool → Social SecuritySocial Security break-even
Compare claiming at 62, 67, or 70 and find the age where waiting adds up to more lifetime income.
Open tool → WithdrawalsRMD calculator
Estimate your required minimum distribution from a traditional IRA or 401(k) using the current IRS table.
Open tool → Long-term careUtah cost of care
What assisted living, home care, and nursing care actually cost in Utah — with 2024 CareScout data.
Open tool →About these tools
Are these tools free to use?
Yes — every tool here is free, needs no sign-up, and stores nothing about you. They give quick, educational estimates using published federal and industry figures.
Are the results financial advice?
No. Each tool is a simplified, hypothetical estimate to help you understand your options. Confirm any decision with the relevant agency (IRS, SSA) and a licensed professional. We provide education, not financial, tax, or legal advice.
Want a person to walk through the numbers?
A free, no-pressure conversation with an independent Utah planner.
Educational only — not financial, tax, or legal advice. Not connected with any government agency.