Tools
Calculators and tools
Model the numbers before you commit. Figures use 2026 limits; results are illustrative, not a projection of actual returns or tax advice.
Assumes constant monthly compounding and a fixed return; actual results vary and investments can lose value.
Educational estimate of 2026 statutory limits; eligibility, income phase-outs, and plan terms may reduce what you can contribute.
Uses the IRS Uniform Lifetime Table; a different table applies if your sole beneficiary is a spouse more than 10 years younger. RMDs generally begin at age 73.
A conversion adds taxable income in the year you convert. If you hold other pre-tax IRA balances, the pro-rata rule changes the taxable share. Model with a tax professional before converting
Educational only. This page is general information, not individualized investment, legal, or tax advice. Rules depend on your account type, transaction, tax year, and circumstances — consult a qualified professional.
On the roadmap: tools for self-directed questions
Four planners built for the questions brokerage calculators don’t answer — in development now:
RMD on illiquid assets planner. When the account holds property, see the distribution options — cash reserve, in-kind distribution, partial liquidation — and the valuation documentation each requires.
UBIT/UDFI estimator. Rough exposure when leveraged real estate or operating-business income sits inside the IRA, and when a 990-T applies. Confirm with your tax professional.
In-kind distribution planner. The documentation and valuation an in-kind distribution of each asset class requires, sequenced.
Fee estimator. Your all-in annual custody cost from account type, value, asset mix, and expected transactions — publishing together with the fee schedule.
Until then, the interactive prohibited-transaction checker is live above, and every calculator on this page uses 2026 figures.