Foundation Tools
Free Retirement Decision Tools
No account required. Get instant, assumption-transparent answers to high-stakes retirement decisions. Foundation tools — always free, no commercial agenda.
- Deadline-Focused
Medicare Enrollment Guardian
Find your Medicare deadlines, understand penalty risk, and get a clear enrollment checklist — no generic advice.
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When Should I Claim Social Security?
Compare claiming ages 62–70 and see how timing affects monthly benefits and lifetime income.
Try it free - Quick Assessment
Are Roth Conversions Right for Me?
Quickly assess whether your situation is a strong, moderate, or weak candidate for Roth conversions.
Try it free - Comprehensive
Can I Retire at My Target Age?
Compare retirement ages and see the effect on savings runway, healthcare bridge, and income gap.
Try it free - Reference
Medicare Enrollment Deadlines
Part A / B / D enrollment windows, late-enrollment penalties, and primary-source citations.
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Social Security Claiming Ages
62, FRA (67), and 70 — early-claim reductions, delayed retirement credits, and the math that actually moves the decision.
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2026 IRMAA Brackets
MAGI tiers, Part B + D surcharges, the two-year lookback, and how withdrawals interact with thresholds.
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Roth Conversion Basics
Mechanics, the five-year rule (which is actually two rules), and the IRMAA interaction.
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These tools are operated by NestPilot Foundation Inc. — a recognized 501(c)(3) public charity. They will always be free, and none of them require an account. New to the five decisions? Start here.