Premium Suite › Tax Bracket Optimizer
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Pro Tools · 1 of 22
Tax Bracket Optimizer
See exactly how close you are to the next bracket, how much more income you can earn at your current rate, and your optimal Roth conversion amount.
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$0 = use standard
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Tax Analysis
Marginal Bracket
Effective Tax Rate
Federal Tax Owed
Room in Current Bracket
Income Allocation
10–12%
22%
24%
32%+
Pro Tools · 2 of 22
Social Security Optimization
Compare claiming at 62, 67 (full retirement age), or 70. Find your break-even age and lifetime benefit under each strategy.
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Find this on your Social Security statement at ssa.gov

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Claiming Strategy Comparison
Claim at 62 (monthly)
Lifetime: —
Claim at FRA (monthly)
Lifetime: —
Claim at 70 (monthly)
Lifetime: —
Break-Even Age (62→FRA)
Break-Even Age (FRA→70)
Optimal Strategy
Pro Tools · 3 of 22
FIRE Calculator
Financial Independence, Retire Early. Compare Lean FIRE, Regular FIRE, and Fat FIRE targets based on your savings rate and expenses.
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FIRE Analysis
☕ Lean FIRE
— years away
🏡 Regular FIRE
— years away
🥂 Fat FIRE
— years away
Annual Savings
Savings Rate
Coast FIRE Number
FIRE Progress
Pro Tools · 4 of 22
Life Insurance Needs Calculator
Use the DIME method (Debt, Income, Mortgage, Education) to calculate exactly how much life insurance coverage your family needs.
Income Replacement
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Debts to Pay Off
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Future Obligations
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Existing Assets
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Insurance Need Analysis
Total Coverage Needed
Income Replacement (PV)
Debt Coverage
Education + Final Exp.
Coverage Breakdown
Income Rep.
Mortgage
Education
Debt+Final
Pro Tools · 5 of 22
College Savings Calculator (529)
Project total tuition costs with inflation, calculate required monthly contributions, and model 529 growth against actual college costs.
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529 Plan Analysis
Projected Total Cost
Monthly Contribution
Annual State Tax Savings
Years Until College
Business · 6 of 22
Quarterly Estimated Tax Calculator
Self-employed, freelancer, or investor? Calculate your quarterly estimated tax payments to avoid penalties and underpayment.
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Quarterly Tax Schedule
Total Annual Tax
Self-Employment Tax
Federal Income Tax
State Tax
Payment Schedule
QuarterDue DatePaymentSafe Harbor
Business · 7 of 22
Business Valuation Calculator
Estimate business value using three methods: revenue multiple, EBITDA multiple, and Discounted Cash Flow (DCF). See the range and average.
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years
Valuation Summary
Revenue Multiple Method
EBITDA Multiple Method
DCF Method
Average Valuation
Valuation Range
low — high
Price/Earnings Ratio
Business · 8 of 22
Break-Even Analysis
Find the exact unit volume and revenue at which your business breaks even, plus margin of safety and target profit analysis.
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Break-Even Analysis
Break-Even Units
Break-Even Revenue
Contribution Margin
CM Ratio
Current Monthly Profit
Units for Target Profit
Margin of Safety
Operating Leverage
Business · 9 of 22
Payroll Tax Calculator
Compare the true cost of hiring a W-2 employee vs. a 1099 contractor, and model the S-Corp salary optimization strategy for self-employed income.
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W-2 Employee
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S-Corp Optimization
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IRS requires reasonable compensation before distributions

Tax Structure Comparison
📋 Sole Prop / 1099
After-tax take-home
🏢 S-Corporation
After-tax take-home
SE Tax (1099)
SE Tax (S-Corp)
S-Corp Tax Savings
Real Estate · 10 of 22
House vs. Rent Comparison
The true cost of buying includes opportunity cost of down payment, maintenance, taxes, and transaction costs. Find your break-even horizon.
Buying
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Renting
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years
Buy vs. Rent Analysis
🏠 Buying
Net position after period
🏢 Renting
Investment portfolio value
Break-Even Year
Monthly Mortgage (P&I)
True Monthly Cost to Own
Real Estate · 11 of 22
BRRRR Strategy Calculator
Buy, Rehab, Rent, Refinance, Repeat. Model the full BRRRR cycle to see how much capital you can recycle into the next deal.
Buy & Rehab
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After Repair Value & Rent
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Refinance
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years
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BRRRR Deal Analysis
Total Capital Invested
Refinance Proceeds
Capital Recycled
Capital Left in Deal
Monthly Cash Flow
Cash-on-Cash Return
Equity Created
Refinance Monthly Pmt
Real Estate · 12 of 22
1031 Exchange Calculator
A 1031 exchange defers capital gains tax when selling investment property. See your tax deferral, boot exposure, and replacement property requirements.
Relinquished Property (Selling)
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Replacement Property (Buying)
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1031 Exchange Analysis
Tax Deferred
Capital Gain
Net Equity (Proceeds)
Boot (Taxable Amount)
Min. Replacement Value
Min. New Debt Required
Real Estate · 13 of 22
Fix & Flip Profit Calculator
Model a complete fix-and-flip project including acquisition, rehab, holding costs, financing, and selling expenses to determine your net profit.
Acquisition
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Rehab
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Holding & Financing
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months
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Selling
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Flip Analysis
Net Profit
Total Project Cost
ROI on Investment
Annualized ROI
70% ARV Rule Check
Max Allowable Offer
Portfolio & Tax · 14 of 22
Tax-Loss Harvesting Calculator
Realize investment losses to offset capital gains and reduce your tax bill, while maintaining market exposure through similar (but not identical) assets.
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Tax-Loss Harvest Analysis
Harvestable Loss
Tax Savings This Year
Deferred Tax Liability
Net Present Benefit
Portfolio & Tax · 15 of 22
Asset Location Optimizer
Holding the right assets in the right accounts can save thousands in taxes annually. See which assets belong in taxable vs. tax-advantaged accounts.
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Target Allocation
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Asset Location Recommendations
Portfolio & Tax · 16 of 22
Dividend Reinvestment (DRIP) Calculator
Model how automatic dividend reinvestment accelerates wealth through additional compounding — the dividend snowball effect.
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years
DRIP Summary
Portfolio Value
Total Shares
Annual Dividend Income
Total Dividends Reinvested
Total Invested (cash)
DRIP Bonus vs. No Reinvest
Year-by-Year Growth
YearSharesShare PricePortfolio ValueAnnual Dividends
Portfolio & Tax · 17 of 22
Options Pricing (Black-Scholes)
Price European call and put options using the Black-Scholes model. Includes all Greeks: Delta, Gamma, Theta, Vega, and Rho.
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days
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Black-Scholes Output
📈 Call Option
theoretical price
📉 Put Option
theoretical price
Option Greeks
Call Delta
Put Delta:
Gamma (both)
Theta (call/day)
Vega (per 1% IV)
Life Planning · 18 of 22
Salary Negotiation Calculator
See the true lifetime financial impact of negotiating a higher salary — including compounding raises, retirement contributions, and benefits value.
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Negotiation Impact
Lifetime Earnings Difference
After-Tax Lifetime Gain
Additional 401k at Retirement
Monthly Take-Home Gain
10-Year Cumulative Gain
Hourly Rate Increase
Life Planning · 19 of 22
Buy vs. Lease (Car) Calculator
Compare the true total cost of buying vs. leasing over 5 years, accounting for depreciation, financing, opportunity cost, and residual value.
Vehicle Details
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Buy Option
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months
Lease Option
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months
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Opportunity Cost
years
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Buy vs. Lease Comparison
🔑 Buying
Total 5-yr cost (net of resale)
📋 Leasing
Total 5-yr cost (no asset)
Buy Monthly Payment
Residual Value (buy)
Total Lease Cost
Life Planning · 20 of 22
Debt Consolidation Analyzer
Should you consolidate your debts into a single lower-rate loan? Compare your current situation against consolidation and find the break-even point.
Current Debts
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Consolidation Loan
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months
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Consolidation Analysis
Current Debts
Total interest paid
Consolidation Loan
Total interest paid
Total Debt
Weighted Avg Rate
Interest Saved
New Monthly Payment
Life Planning · 21 of 22
HSA Maximizer
The HSA is the only account with triple tax advantages. Model how investing your HSA (vs. spending it) builds a powerful healthcare nest egg.
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HSA Analysis
HSA Balance at 65 (invested)
vs. Spending on Medical
Benefit of Investing HSA
Annual Tax Savings
Total Tax Savings (lifetime)
Effective After-Tax Return
Life Planning · 22 of 22
Net Worth Milestone Tracker
Track your progress toward key wealth milestones ($100K, $250K, $500K, $1M, $2M) and project when you'll hit each one.
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Milestone Progress
Next Milestone
Years to $1M
Net Worth in 10 Years
Milestone Timeline
YearNet WorthAnnual AdditionGrowth