Financial Calculators & Money Tools

MICHAEL RYAN MONEY TOOLS

Free Financial Calculators & Money Tools

You do not need to know which calculator you need. Start with the money question in your head, and I’ll help you find the tool that can put useful numbers around it.

Free educational toolsPlain-English resultsNo product sales pitch
1 · START WITH THE QUESTIONWhat are you actually deciding?

Retire now? Convert to Roth? Claim Social Security? Pay down debt? Start with the real decision, not a calculator name.

2 · RUN THE NUMBERSMake the tradeoff visible.

A useful calculator should expose what is driving the result, not hide the answer behind a mysterious score.

3 · KNOW WHAT CHANGES ITLeave with a better next question.

The number is the beginning. Look for the assumptions, thresholds and variables that could change your decision.

FIND MY TOOL

Tell me what you’re trying to figure out.

Two quick choices. No account numbers, balances or private information. This simply routes you to the most useful starting tools.

Tool FinderQuestion 1 of 2

What are you trying to figure out?

JavaScript is off. No problem — use the searchable-by-category library below. Every tool is still available as a normal link.

A USEFUL NEXT STEP

Numbers help. Knowing which number matters helps more.

The Financial Clarity Newsletter explains the retirement, tax, Social Security, Medicare and money tradeoffs behind the calculations — in plain English.

SEARCH THE LIBRARY

Already know what you need?

Search by question, tool name or topic. Or narrow the library with a category.

No match yet. Try a simpler phrase like retirement, Roth, debt, income or net worth.

Retirement & Social Security

Turn “Do I have enough?” into a more useful set of numbers and tradeoffs.

9 tools

Taxes, Roth & Medicare

See how one move can affect more than the tax bracket you are looking at.

5 tools

Investing & Portfolio

Make risk, allocation, time and return assumptions visible instead of treating them as magic.

5 tools

Savings, Cash & Net Worth

Turn fuzzy financial progress into something you can see and track.

5 tools

Debt, Credit & Borrowing

See the actual cost or pressure point before choosing the next move.

4 tools

Income, Pay & Work

Translate compensation into the unit that actually helps you compare decisions.

4 tools

Estate, Family & Protection

Use checklists and pathfinders where the job is organizing questions, not pretending one number decides everything.

5 tools
HOW TO USE A CALCULATOR WELL

A precise answer can still be wrong for the decision.

Financial tools are only as useful as the assumptions going into them. I’d rather you leave knowing what can change the answer than believing a decimal point made it certain.

Check the year.

Tax, Medicare, RMD and contribution rules change. Time-sensitive tools should state the applicable year or assumptions.

Change one important input.

If a small change in return, spending, timing or income flips the result, that sensitivity matters more than the first answer.

Know the boundary.

These tools educate and model. They do not know every plan rule, tax fact, legal detail or household priority that can control a real decision.

STILL NOT SURE?

Your question may not be a calculator question yet.

Ask the Michael Ryan Money Assistant in plain English. It can help you understand the issue, find the right guide or tool, and figure out what question you should be asking next.

Ask Michael →