You are about to make four or five decisions that will shape the rest of your retirement — when to claim Social Security, what to do about required withdrawals, whether to convert to a Roth, and whether your money actually lasts. Most free calculators answer none of them properly. This is the tool I built for my own audience: seven retirement calculators and a daily budget, in one app that works on your iPad, iPhone, Mac, Windows PC or Android tablet — with no internet connection needed once it is installed. THE SEVEN CALCULATORS 1. Social Security Optimizer — Compare claiming at 62, at your full retirement age, or at 70, with your break-even age worked out. It also models spousal and survivor benefits, including the thing almost nobody shows you: what happens to the household when one of you dies. One cheque stops for good, and the survivor is taxed as a single person from that day on. 2. RMD Calculator — What the government will force you to withdraw from age 73 (75 if you were born in 1960 or later), projected year by year using the official IRS table. Includes the QCD route for anyone who gives to charity, and checks two exceptions most people never hear about — whether still working lets you delay, and whether a much younger spouse entitles you to a smaller withdrawal. 3. Roth Conversion & Tax Torpedo — How much you can convert this year without jumping a bracket or crossing a Medicare surcharge line. The tax torpedo chart shows the true cost of each extra $1,000 you withdraw, which is usually far higher than your bracket suggests. Then a multi-year conversion ladder compares doing nothing against converting steadily — counting the tax still owed on whatever stays in the account, which is the part that makes "do nothing" look deceptively cheap. 4. Withdrawal Order Planner — Which pot to draw from first, and what the order is actually worth to you across a full retirement, after all tax is settled. 5. Will My Money Last? — Your savings projected forward three ways: normal returns, a bad first three years, and — unusually — a version that includes long-term care. Nursing care runs roughly $95,000 to $108,000 a year. Leave it out and the answer looks comfortable; put it in and the same savings can run out years sooner. 6. Healthcare Bridge — For anyone retiring before 65. What cover really costs after the marketplace subsidy, and how close you are to the 400%-of-poverty cliff, where one extra dollar of income wipes out the whole subsidy in a single step. That cliff is back for 2026 now that the enhanced subsidies have expired. 7. Retirement Tax Map — Every year of your retirement side by side: income, bracket, how much Social Security gets taxed, required withdrawals and Medicare surcharges. It will mark the year one of you dies if you ask it to. PLUS THE BUDGET — MONTHLY OR DAILY, YOUR CHOICE ✅ Enter the whole month in one go — straight off your card or bank statement ✅ Or write it down day by day if you prefer; neither is needed to use the calculators ✅ Categories built for retirement — Medicare, prescriptions, property tax, not "student loans" ✅ Budget vs. actual, updated as you go ✅ Every month saved and compared, month over month ✅ Download any month, a range of months, or everything — as a real Excel workbook, CSV, or a formatted Word report BUILT FOR OLDER EYES AND HANDS ✅ Large text throughout, with a size slider and a high-contrast mode ✅ Big tap targets — designed for a tablet, not a developer's laptop ✅ Installs to your Home Screen or Dock like a normal app ✅ Works with no internet at all ✅ Nothing is sent anywhere. No account, no password, no subscription. Everything stays on your own device WHAT YOU GET ✅ The full app — seven calculators plus the daily budget ✅ How to Install — an illustrated PDF covering iPhone, iPad, Mac, Windows and Android ✅ How to Use — a step-by-step PDF walking through every screen, with real screenshots ✅ Your licence key, which activates the app on up to 3 devices ✅ Free updates as the tax figures change each year A word on the numbers. Every figure is for the 2026 tax year and was checked against published IRS, Social Security and Medicare values. The app shows its workings, lists the assumptions behind every result, and states plainly what it does not model. Where something is genuinely uncertain, it says so instead of inventing a number. This is an educational tool, not financial advice. Uncle John Financial is not a registered investment adviser, CPA or attorney. Please confirm anything important with a qualified tax professional before you act on it.