Most free retirement calculators skip the hard parts: taxes and cliffs. Teapot's three free tools don't: retirement planning with probability of success and support for couples planning, Roth conversion planning that catches tax cliffs (IRMAA etc) and early withdrawal penalties, and a withdrawal calculator showing the efficient tax aware withdrawal sequencing. All with detailed year by year projections. Free for new users only, no credit card required.

Mantle — The ultimate founder launchpad: Cap tables, equity & 409As

The ultimate founder launchpad: Cap tables, equity & 409As

I kept seeing the similar questions on Reddit "Can I retire with...", "How much do I need to retire at age ..", "Should I do Roth conversions...", "How much to withdrawal in retirement.." The answers in the comments were often vague, gut feelings, rough rules of thumb, nothing quantified. And I understand why: the actual optimization is hard. Withdrawal sequencing and Roth conversion strategy aren't independent problems. You have to solve them together, and the tax code: IRMAA cliffs, ACA subsidy thresholds, early withdrawal penalties, bracket management, adds layers many tools just ignore. I tried asking Claude and ChatGPT. The answers were confident and wrong. These problems need deterministic logic, not language model reasoning. So the approach was: codify the actual tax rules and optimization algorithms first, then use AI to help build those tools faster. The AI builds the engine, it doesn't drive it. The result is consistent, reliable output every time, not a hallucinated answer that changes each run. Three tools, free for new users, no credit card required. Hope they're useful.

Mantle — The ultimate founder launchpad: Cap tables, equity & 409As

The ultimate founder launchpad: Cap tables, equity & 409As

Teapot Investments

Tax Aware Retirement and Investments

Tax Aware Retirement and Investments