Each calculator sits inside the guide that explains the decision around it, so you can see the numbers and the reasoning together. Move the sliders, type exact amounts, and the results and chart update as you go.
Retirement
Can you retire this year?
Your withdrawal rate against the 3% to 4% range, and how long savings last. Open the retirement calculator →
NUA or a straight rollover?
If your 401(k) holds company stock, compare the after-tax result of each path. Open the NUA calculator →
Pensions
Lump sum or a check for life?
How long a lump sum lasts paying the same check, and the return it would need. Open the pension lump sum calculator →
Estimate your Tier 3 or 4 pension
The ERS formula, early-retirement reductions and what one more year adds. Open the NYS Tier 4 pension calculator →
Company stock and equity pay
What will your equity pay really cost in tax?
The gap between the flat 22% withholding and what you’ll owe. Open the RSU tax calculator →
Paychex shares in your 401(k)
NUA math with the Paychex plan in mind. Open it on the Paychex guide →
Inheritance and estates
Inherited IRA: spread it or wait?
Federal tax if you spread withdrawals over the 10 years or take them at once. Open the inherited IRA calculator →
Where is your estate on New York’s cliff?
New York estate tax for 2026, with the $7.35 million exclusion and the 105% cliff. Open the NY estate tax calculator →
How they work
- They run in your browser. Nothing you enter is stored or sent unless you choose to send it to Greg.
- Tax figures use 2026 federal brackets (IRS Rev. Proc. 2025-32) and New York’s published estate tax table.
- Each one is checked against worked examples from the guides and official sources.
- Every result can be emailed to Greg for a second look, with your numbers attached.
How Morrowgate helps. Greg can take any of these results and build the full picture around it: the other accounts, the taxes, your spouse, and the timing. If a calculator answers your question, that’s fine too.
Questions people ask
Are these calculators free?
Yes. There’s no sign-up, and they work without giving an email address.
Do you save what I enter?
No. The numbers stay in your browser unless you press “Send this to Greg” and submit the form.
How accurate are they?
They use published formulas and 2026 figures, but they simplify. Your plan documents, tax return and advisors have the final word.
Which calculator should I start with?
If you’re deciding when to retire, start with “Can you retire this year?” If you have a pension offer, start with the lump sum calculator.
Where this guidance stops
This article is general education on these calculators: how the rules and the options generally work.
It is not tax, legal or investment advice, and nothing here is a recommendation for your situation. Rules change and outcomes turn on the facts, which is why a CPA and an attorney look at a family’s own numbers before anything is done.