Financial Planning Tools
Use our no-cost financial calculators and comparison guides to explore retirement, fee-impact, and Social Security claiming scenarios. Results are illustrative and assumption-based; not investment advice. No sign-up required.
Interactive Calculators
Retirement Calculator
Find out if you're on track for retirement. Project your savings growth and see if you'll have enough.
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401(k) Fee Analyzer
Review disclosed plan fees and model their possible long-term impact. Even small differences in fees can have a meaningful impact over time, depending on contributions, market conditions, and individual circumstances.
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Social Security Optimizer
Explore how claiming age may affect monthly and lifetime benefits based on your inputs. Outcomes depend on earnings history, longevity, household circumstances, taxes, and future Social Security rules.
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The 90 Rule Calculator
Calculate how much you need to maintain 90% of your income in retirement.
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Get instant input-based calculations plus optional technology-assisted explanations. Results are illustrative and depend on the information and assumptions provided.
AI Retirement Analyzer
Illustrative, assumption-based retirement-readiness estimates from your inputs. Educational only; outcomes vary with markets, taxes, fees, and life events.
Try freeAI 401(k) Fee Detector
review fee disclosure documents and fund expense ratios to help identify potential cost-reduction areas (results depend on data provided; some fees embedded in insurance or proprietary products may not be detectable) and their long-term impact.
Try freeAI Social Security Scenario Tool
Explore input-based claiming-age scenarios; actual benefits and lifetime outcomes vary.
Try freeAI Portfolio Risk Scanner
Compare an entered allocation with stated risk preferences; educational only.
Try freeAI Income Simulator
Model illustrative retirement-income scenarios based on entered assumptions.
Try freeAI Advisor Comparison Tool
Compare advisor characteristics and questions to ask; the tool does not recommend a specific professional.
Try freeAI Strategy Scenario Tool
Generate educational planning scenarios for further professional review.
Try freeAI Timeline Builder
Draft possible retirement milestones from user inputs.
Try freeAI Readiness Estimate
Create an input-based educational estimate of retirement preparedness.
Try freeAI Tax Scenario Tool
Explore illustrative withdrawal and tax scenarios; consult a qualified tax professional.
Try freeComparison Guides
Not all financial advice is created equal. See how different approaches compare and find what's right for your situation.
SWE90 vs Robo-Advisors
Why human financial guidance still matters for complex financial lives.
Read comparisonSWE90 vs Big Bank Advisors
Independence vs. institutional conflicts, understand the difference.
Read comparisonSWE90 vs DIY Investing
When self-directed isn't enough for your financial complexity.
Read comparisonWhy We Offer Financial Tools
Education First
Understanding your numbers is the first step to financial success.
Better Conversations
Come to your consultation with clarity about your goals and gaps.
Informed Decisions
Choose an advisor who's right for you with full transparency.
When You Work With SWE90, We Go Much Deeper
These no-cost calculators give you a starting point with illustrative, assumption-based estimates. A professional engagement uses institutional-grade planning software with personalized inputs and oversight.
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Monte Carlo Simulations
Planning software can model a range of market scenarios using disclosed assumptions. Scenario results are hypothetical and do not predict future performance.
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Tax Optimization
Evaluate multi-year Roth conversion, asset-location, and withdrawal-sequencing scenarios with your tax professional; outcomes depend on tax law and individual circumstances.
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Complete Picture Integration
Your 401(k), IRAs, pensions, Social Security, insurance, and estate plan, analyzed together, not in silos.
Your Report Includes:
- ✓Probability of success across market scenarios
- ✓Optimized Social Security claiming strategy
- ✓Tax-efficient withdrawal sequencing
- ✓Roth conversion opportunity analysis
- ✓Healthcare cost projections
- ✓Estate planning integration
- ✓Risk capacity assessment
Ready for Personalized Advice?
Calculators are a starting point. A comprehensive financial plan addresses your complete picture, taxes, estate, insurance, and investment strategy working together.
Schedule no-obligation consultation