Liability Calculators

Three calculators. Your numbers. No login required.

Every field below recalculates instantly as you type. These are estimates for planning inside this product, not filed tax positions.

Tool 01

Effective Tax Estimator

Enter your income, filing status, and any deductions or adjustments to see an estimated taxable income, total tax, and effective rate.

Open the planning frameworks → A calculator resting on top of financial statements during a tax review

Annual income

Filing status

Itemized deductions (if any)

Leave at 0 to use the standard deduction automatically.

Pre-tax adjustments (401k, HSA, etc.)

Taxable income

Estimated tax

Effective rate

This is an estimate for planning purposes only and is not tax advice or a substitute for filing software or a qualified preparer.

Tool 02

Project the tax cost of a conversion today against the estimated future value of tax-free growth versus leaving the balance traditional.

Current retirement balance

Conversion amount

Estimated tax rate on conversion (%)

Assumed annual growth rate (%)

Years until withdrawal

Tax owed at conversion

Projected Roth value

Est. advantage vs. traditional

Projections assume a constant growth rate and are illustrative only. Actual returns, future tax rates, and account rules will vary.

Tool 03

Estimate how long a fixed monthly payment takes to clear a balance, and how much interest accrues along the way.