Planning Tools and Calculators
Informed planning is one of the cornerstones of an effective retirement strategy. Below you will find a variety of planning tools covering numerous aspects of retirement planning, from selecting the best type of IRA to designing a retirement income strategy that best fits your personal objectives.
IRA Eligibility CalculatorWhat type of IRA are you eligible for? This tool helps you determine your eligibility for making Traditional and/or Roth IRA contributions.
Retirement Savings Planner
Whether your retirement is three years away or 40 years away, it's never too soon or too late to begin planning. This retirement savings tool will help you estimate how much savings you will need to accumulate by retirement in order to meet your retirement objectives.
Review the options available for all types of beneficiaries to determine which will best assist you in maximizing tax deferrals and minimizing Required Minimum Distributions (RMDs).
Beneficiary Required Minimum Distribution ProjectorThe RMD Projector is designed to assist beneficiaries of deceased IRA holders in projecting future required distributions from the decedent's IRA.
Beneficiary Current Year Required Minimum Distribution CalculatorThe RMD Calculator is designed to assist beneficiaries of deceased IRA holders in calculating required distributions from the decedent's IRA.
Use this tool to compare the three basic "substantially equal periodic payment" structures authorized by the IRS for avoiding the 10% early distribution penalty.
After you’ve selected a payment method, use this tool to structure your substantially equal periodic payment plan.
Basic Comparison CalculatorThis straightforward tool helps you compare Traditional and Roth IRAs on the basis of projected (after-tax) retirement income.
IRA Comparison CalculatorThis tool helps you measure the potential wealth accumulation implications of selecting a Traditional or Roth IRA (for you and your beneficiaries).
Breakeven Tax Analysis Calculator - IRAUnsure of what your tax rates will be in 20 years? This unique tool helps you look at IRA selection from the standpoint of breakeven analysis (e.g. what if my effective tax rate in retirement is 30% rather than 25%?).
Required Minimum Distribution ProjectorThe RMD Projector is designed to project hypothetical future required distributions from an IRA.
Current Year Required Minimum Distribution CalculatorThe RMD Calculator is designed to assist IRA holders in calculating required distributions for the current year.
Plan Participant Calculator
Receiving a lump sum distribution from an employer-sponsored retirement plan? This tool will help you identify the tax options available to you and compare the retirement income implications of your various alternatives.
Are you a beneficiary receiving a lump sum distribution from an employer-sponsored retirement plan? This tool will help you identify the tax options available to you and compare the retirement income implications of your various alternatives.
This straightforward tool helps you quantify the potential benefits of a Roth IRA conversion on the basis of projected (after-tax) retirement income.
Roth IRA Accumulation CalculatorThis tool helps you measure the potential wealth accumulation of a Roth IRA for you and your beneficiaries.
Breakeven Tax Analysis Calculator - Roth IRAUnsure of what your tax rates will be in 20 years? This unique tool helps you look at a potential Roth IRA conversion from the standpoint of breakeven analysis (e.g. what if my effective tax rate in retirement is 30% rather than 25%?).
Disclosures:
- Commerce Brokerage Services, Inc. does not provide tax advice or legal advice to customers. Consult a tax specialist regarding tax implications related to any product and specific financial situations.
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- The information provided on this website is not meant as a recommendation or endorsement of any specific security or strategy. An individual’s situation can vary; therefore the information provided above should be relied upon only when coordinated with individual professional advice.
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Mutual funds, annuities, and other investment products:
Not FDIC-insured May lose value No bank guarantee - Commerce Brokerage Services, Inc., Member FINRA/SIPC, is a wholly owned subsidiary of Commerce Bank, N.A. This site is not intended for use by, or to provide any information to, investors in any state where Commerce Brokerage Services, Inc. is not registered or in any jurisdiction outside the United States of America where such use would be prohibited or otherwise regulated. Nothing on this web site shall be considered a solicitation to buy or an offer to sell a security to any person in any jurisdiction where such offer, solicitation, purchase or sale would be unlawful under the securities laws of such jurisdiction.
