// Free tools
Free financial calculators with real math underneath.
Each tool takes inputs you can type in 30 seconds. Rikdom answers the same questions from your linked accounts. No signup, no email gate.
10,000 simulated paths. See the probability distribution of your retirement, not just a single projected line.
→Year-by-year comparison of converting to Roth vs. keeping traditional. Break-even age, lifetime tax difference, real RMD modeling.
→Estimate harvestable losses + tax savings across your taxable accounts in 30 seconds. Four inputs, no signup, conservative math.
Want all of this on your actual accounts?
The free tools let you model scenarios with simplified inputs. Rikdom starts from your real balances and holdings, which it syncs every day.
Start free trial31-day free trial. Cancel anytime.
Why we make these free
Most online financial calculators are either bait for an email signup, or they're so generic they don't teach you anything. Both are wasted opportunities.
The tools here are deliberately useful on their own. The Roth calculator runs the same analysis as Rikdom's Roth Conversion Analysis. The retirement calculator and the harvesting estimator are simpler models, built for inputs you can actually type. If you use the free version and like how it thinks, you'll like the real product. If you don't, you've still got a useful answer to take with you.
What you can't do here
The free tools don't connect to your bank, brokerage, or retirement accounts. They work on whatever numbers you type in. That keeps the bar to use them low — no signup, no permissions — but it also means the inputs are only as good as your estimates.
The full Rikdom product starts from your linked accounts: your actual balances, your asset allocation, and how much sits in taxable, tax-deferred and tax-free accounts. Its retirement projection models more than the calculator here, and its harvesting scan checks your real positions lot by lot.