Free Online Calculator
Presented by FinCrafters
Tax-Free Retirement Calculator
Your first step towards achieving Financial Independence!

This is an advanced version of the Retirement Planning Calculator that shows how to implement a tax-optimized savings plan that will achieve ~0% tax at retirement.
In fact, here's what this advanced tool will help you discover...
1
How much to allocate between pre- and post-tax retirement accounts
2
How buying a home impacts your retirement plan
3
Your tax-optimized withdrawal rate during retirement
4
How big of a legacy can you leave behind, given your retirement needs
Watch the how-to video for using this calculator!
In fact, here's what this advanced tool will help you discover...
1
Learn how savings fuels asset growth; building a nest egg
2
Assess your human and financial capital
3
Compare what your retirement income would look like in different scenarios
4
Calculate and Validate what your retirement number looks like
.. and much, MUCH More!
Meet The Creator
Karthik Ethirajan
Principal, FinCrafters

FinCrafters began as a personal passion that turned into a professional pursuit. I relish deriving insights using quantitative approaches. I enjoy pairing down complex abstract ideas to simple practical insights and communicating them. For example, how do you holistically think about savings, taxes, investments, retirement needs, etc. with personal situations such as college or estate planning factored in? I agonize over strategizing such scenarios.
I am an engineer by training and through business education from Cornell and management consulting experience learned how to think holistically, work analytically, while also being practical and able to communicate well.
Meet The Creator
Karthik Ethirajan
Principal, FinCrafters

FinCrafters began as a personal passion that turned into a professional pursuit. I relish deriving insights using quantitative approaches. I enjoy pairing down complex abstract ideas to simple practical insights and communicating them. For example, how do you holistically think about savings, taxes, investments, retirement needs, etc. with personal situations such as college or estate planning factored in? I agonize over strategizing such scenarios.
I am an engineer by training and through business education from Cornell and management consulting experience learned how to think holistically, work analytically, while also being practical and able to communicate well.
Did you know that your 'Retirement' is a Number and NOT your Age!
Testimonials
Testimonials

Chitra Purohit
Sr. Business / Systems Analyst, Franklin Templeton
“Karthik has always offered sound financial advice based on my investment objectives and personal needs. His ability to distill insights from complicated financial matters is commendable. He backs up his advice with extensive research. He picked the best performing IUL plan to improve my tax-free investments profile.”

Veronica Colmenar
Supply Chain Professional, Gilead Sciences
“Karthik is my trusted financial advisor and planner. He is very knowledgeable and keeps up to date with the latest financial products and tax laws. He is committed to helping people realize their retirement goals. He gave me a financial check up and as a result created a comprehensive retirement plan to help me allocate and invest my funds in a tax efficient manner. After working with Karthik, I feel I’m better prepared for my retirement.”

Madhu Gowda
Principal Agent, Ozone Insurance
“I have known Karthik for several years. As an agent myself, I often find myself discussing tax-optimized retirement strategies with him. I trust his research and analysis to sift out the best performing financial product in the market. I strongly recommend Karthik for planning your specific retirement scenario.”

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