A plan is just arithmetic you have written down
Every tool below is free, needs no account, and shows its assumptions. Start with the number you need, then work backwards to what you save each month.
Retirement calculator
Project your balance at retirement, the income it supports, and the gap to your target.
Open the toolCompound growth
See how a starting balance and a monthly habit turn into a portfolio over decades.
Open the toolRMD calculator
Estimate the minimum you must withdraw each year once distributions begin at 73.
Open the tool401(k) match maximiser
Find the contribution rate that captures every dollar your employer is willing to add.
Open the toolCollege savings
Project tuition inflation and the monthly saving needed to cover four years.
Open the toolRisk questionnaire
Six questions that map your tolerance and horizon onto a stock, bond and cash mix.
Open the toolThe order that usually works
Not a rule, but a sequence that puts each dollar where it earns the most - starting with the guaranteed returns.
Capture the full employer match
A 50% match is an immediate 50% return, and there is nothing else in finance that pays that reliably. Check yours.
Clear high-interest debt
Paying off a 22% credit card is a guaranteed 22% return. No portfolio can promise that.
Build three to six months of expenses
Held somewhere liquid that still pays - a government money market fund currently yields around 4.85%.
Max the tax-advantaged accounts
IRA, then the rest of the 401(k), then an HSA if you are eligible - the HSA is the only triple-tax-advantaged account.
Invest the surplus in a brokerage account
No limits and no withdrawal rules. Favour tax-efficient index funds and ETFs here.
Review once a year, not once a week
Rebalance when an asset class drifts more than five points from target. Otherwise leave it alone.
Goals that track themselves
Once you have an account, the planning tools stop being hypothetical. Set a goal, link it to a target date, and your dashboard shows the funded percentage updating with the market.
- Retirement readiness score across every account
- Goal progress bars with required monthly contributions
- Allocation drift alerts against your target mix
- A year-by-year retirement income projection
Sample goal tracking
Sample illustration. Your own figures will differ.
Want a person to look at it with you?
A 30-minute consultation with a MeridianClad planner is free, with no obligation and no sales pitch.