Roth Conversion Optimizer
Model conversion ladders with bracket and IRMAA awareness.
Retirement tax planning
Planning Tools
Practical calculators for high-stakes financial decisions.
Use the same tool stack referenced in Bina Capital publications, built for clear assumptions and repeatable planning workflows.
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Capital Gains Planner
Estimate gain realization impact across filing scenarios.
Tax-aware selling decisions
RMD Impact Estimator
Forecast required minimum distributions and projected tax effects.
Retirement distribution planning
FIRE Probability Model
Stress test accumulation and withdrawal assumptions for early retirement.
Long-range financial independence planning
Buy vs Lease Analyzer
Compare total cost, tax implications, and opportunity cost.
Major purchase decisions
Social Security Tax Calculator
Estimate taxable Social Security by income mix and filing status.
Retirement cash flow planning
Bond Duration Calculator
Estimate duration risk and price sensitivity to rate moves.
Fixed-income risk management
Tax Optimization Advisor
Integrated suggestions across income, deductions, and account strategy.
Annual planning playbook