Tools
A growing catalog of plain-English estimators for the numbers that drive a retirement plan — Required Minimum Distributions, Roth conversion math, and the other IRS-driven figures your advisor would otherwise bill you to model. Each tool is free, runs entirely in your browser, and never asks for an account.
All tools
Required Minimum Distribution
Enter your age and prior-year-end balance to see this year's Required Minimum Distribution from the IRS Uniform Lifetime Table.
Open the RMD CalculatorTax now vs. lifetime savings
Plug in your current and retirement tax brackets to see whether a Roth conversion saves you money over a lifetime.
Open the Roth Conversion CalculatorWhen to claim Social Security
Enter your birth year and planned claim age to see an estimated monthly benefit — with a plain-English guide to the bend-point formula and when early vs. delayed claiming pays off.
Open the Social Security EstimatorRetirement income
Compare your planned annual spending with a simplified 4% withdrawal estimate and see an illustrative range of how long your portfolio could last.
Open the 4% Rule Estimator4% rule planning check
Compare your projected retirement spending with 4% of your starting portfolio and see a plain-English rate verdict plus trim guidance.
Open the Safe Withdrawal Rate CalculatorCurrent vs. retirement tax rates
Compare marginal and effective federal rates today and in retirement, plus an illustrative Roth-versus-Traditional tax comparison.
Open the Tax Bracket EstimatorThe same plain-English treatment for Medicare IRMAA brackets and the Qualified Charitable Distribution thresholds. Each ships as its own landing page under /tools when it goes live.
Reminder
Educational only, not financial advice — Quillwright is pre-registration and is not a licensed adviser. The estimators above use simplified assumptions and never substitute for a tax professional; verify your specific numbers with the custodian or advisor who handles your account. Contact us if a topic is missing and we'll add it to the queue.