What Tweed costs
Almost everything here is free. Two plans cost money: the ten-year Roth conversion plan is $39 and the Social Security claiming plan is $39. Each is paid once through Stripe, and there is no subscription.
What Tweed charges for
Tax plan
Roth conversion plan
$39
One payment through Stripe, not a subscription.
How much to convert to Roth this year to fill your bracket, what it costs in federal and state tax, and the IRMAA premium it sets two years out. The ten-year plan costs $39, paid once.
This year's conversion is free on that page, with no payment and no email. The $39 buys the other nine years.
What the $39 buys
All ten years at a private link that re-runs itself each December, the do-nothing comparison, your RMD at 75 both ways, the survivor case, the IRMAA path that avoids every cliff, this year's safe-harbor payment, a PDF, a spreadsheet with live formulas, and a calendar of deadlines.
What it is not
The plan is not advice: it fills the bracket you chose and never tells you to convert. Every figure traces to an IRS, SSA or CMS source printed on the report.
What annual planners charge
Annual planners charge $120 to $150 a year and ask for your whole financial life before the Roth module means anything. This answers one question for $39, once.
Retirement plan
Social Security claiming plan
$39
One payment through Stripe, not a subscription.
When to file for Social Security for the most lifetime benefits: every filing age 62 to 70, the break-even math, and spousal and survivor notes. The full plan costs $39, paid once.
The best filing age and the monthly check it pays are free on that page. The $39 buys the full plan: the monthly benefit at each filing age from 62 to 70, lifetime totals for the top three strategies, spousal and survivor figures, and a PDF report.
Every other calculator is free
Tweed's other calculators are free, with no sign-up and no ads. Tweed will not ask for your email before showing your result.
Year one of the Roth conversion plan is free too: how much to convert this year to fill the bracket you choose, the federal and state tax it costs, and the Medicare surcharge it sets two years out.
So is the headline result of the Social Security claiming plan: the filing age that pays the most over your lifetime and the monthly check it pays.
- CD calculator
What a certificate of deposit pays at maturity, its effective APY, and what breaking it early costs.
- Dividend calculator
What a holding pays you now, what it grows to when you reinvest the after-tax dividend, and your yield on cost.
- Brokerage account bonus calculator
What each current brokerage bonus keeps after hold periods, clawbacks and transfer fees, and the order to take them in.
- Savings account bonus calculator
Today's best high-yield savings rates against current savings bonuses, with the break-even rate where a bonus stops paying.
- Checking account bonus finder
Which checking bonuses your paycheck can cover, split month by month, and what you net after fees and lost interest.
- Credit card bonus calculator
What each welcome offer is worth after the annual fee, at a point value you choose, and whether your normal spending can earn it.
- Retirement calculator
The balance you need at your retirement age, the gap against it, and the extra annual saving that closes it.
- RMD calculator
Your required minimum distribution, the IRS life expectancy factor behind it, and your RMD age by birth year.
- Inherited IRA RMD calculator
Whether you owe an RMD from an IRA you inherited, the IRS Single Life factor behind it, and the year the account must be empty.
- Roth conversion calculator
The federal tax on converting an IRA or 401(k) to a Roth, the Form 8606 pro-rata split, and your break-even rate.
- Annuity calculator
What a lump sum buys in period-certain monthly income or grows to in accumulation, with the after-tax exclusion ratio.
- 401(k) calculator
Your projected 401(k) balance from paycheck deferrals and employer match, with the 2026 IRS limits and catch-up tiers applied automatically.
- Coast FIRE calculator
The balance that, left alone, compounds into your full retirement target with no more contributions, plus the arithmetic behind it.
How Tweed makes money
Tweed makes money from the two paid plans above and from affiliate links. Some guides link to products worth a look, and Tweed may earn a commission if you sign up through one of those links. That does not change which products get mentioned or the numbers the calculators produce.
Any page carrying one of those links says so at the top of that page, not just here.
More about Tweed and who writes it →Start with this year, free