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Planning Calculators

Tools & Resources

Preliminary modelling tools to begin framing your financial picture. All calculators are for illustrative purposes only. For a comprehensive analysis, contact our advisory team.

Illustrative only — not financial advice
Current age35
Retirement age65
Annual income$180k
Savings rate15%
Current savings$120k
Projected nest egg at retirement
—
—
Conservative (4% return)—
Base case (6% return)—
Optimistic (8% return)—
For illustrative purposes only. Does not account for inflation, taxes, Social Security, or investment fees.
Illustrative only — not financial advice
Traditional IRA balance$400k
Amount to convert this year$50k
Current marginal tax bracket24%
Est. retirement tax bracket32%
Years until retirement20
Conversion analysis
—
—
Tax cost of conversion now—
Tax saved at withdrawal (est.)—
Net benefit of converting—
Break-even horizon—
Highly simplified model. Actual Roth conversion decisions depend on state taxes, Medicare surcharges, RMDs, and multi-year sequencing. Confirm with your Kubhera advisor.
Illustrative only — not financial advice
Child's current age5
Target college cost (today's $)$80k/yr
Current 529 balance$15k
College inflation rate5%
Monthly contribution needed
—
To fully fund 4 years, starting college at 18
Total cost in future dollars—
Projected value of current savings—
Gap to fund via contributions—
Years of contributions remaining—
Assumes 6% 529 growth rate and 4-year program. Does not include scholarships, aid, or room/board. For illustrative purposes only.
Illustrative only — not financial advice
Gross income$250k
401(k) / IRA contributions$23k
Additional deductions$30k
Filing status
Estimated federal tax
—
—
Gross income—
Taxable income (after deductions)—
Marginal bracket—
Effective rate—
Est. tax saved by contributions—
Federal income tax only. Does not include FICA, state taxes, AMT, NIIT, or credits. 2024 brackets used. For illustrative purposes only.

The tools and calculators on this page are provided for educational and illustrative purposes only. Results are based solely on the information and assumptions you enter and are not intended to constitute financial, tax, legal, or investment advice. Outputs do not represent a guarantee, projection, or prediction of future results. Individual circumstances vary significantly, and no calculator can account for the full complexity of your financial situation. Please consult a qualified financial, tax, or legal professional before making any financial decisions.

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Roth Conversion Decision Tree

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Funding targets, superfunding strategy, and beneficiary change considerations.

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