Calculators
Run your own numbers. No pressure, no jargon.
Three planning calculators, each built around a question families actually ask. Assumptions stay visible and adjustable, so every result is a conversation starter, not a black box.
Our most detailed calculator
Retirement planning isn't a straight line. Your projection shouldn't be either.
Project your future retirement across multiple investment vehicles, income sources and withdrawal phases. Then add down-market years to see how a difficult stretch could change the path.
- 401(k), IRA, Roth, taxable, cash and other assets
- Pensions, Social Security and rental property
- Custom down-market years and return assumptions
- Taxes, RMDs and retirement withdrawals
Educational estimates only. Results are not predictions, guarantees or individualized advice.
Illustrative projection
Plan beyond the average
Assets
Multiple
Returns
Year by year
Timeline
To age 120
Pick your question
Three calculators, three different questions.
Start with the one closest to what's on your mind — each takes about a minute.
Retirement readiness
Are you on track to stop working when you want to?
Model multiple investment vehicles, retirement income and withdrawals over time — including custom down-market years that help you stress-test the path.
Run the numbersLife insurance coverage
How much coverage would your family actually need?
Estimate a coverage need from your income, your dependents, and what you already have in place — a starting point for a real conversation, not a quote.
Estimate my coverageInflation impact
What will today's savings actually buy later?
See how inflation may erode purchasing power over 10, 20, or 30 years. Quick what-if math with the assumption right there on the slider.
See the impactAfter the number
A calculator can't know your situation.
These tools are directional estimates, not advice. If a number surprises you — in either direction — a 20-minute call is the right next step. Nothing pitched, no obligation.
DimeGuard LLC is a financial-education platform, not a licensed insurance agency or professional advisory firm. Content is general education, not individualized tax, legal, accounting, investment or insurance advice. Insurance services are offered separately by Saral Toms only where he is personally licensed and authorized.