Bina Capital Tools is a set of web calculators that help you think through long-term money decisions: taxes, retirement planning, cash flow, and big tradeoffs like renting vs buying a home.
A few highlights: Roth Conversion Optimizer: 2026 federal tax brackets, rules for all 50 states, a bracket-fill view, and multi-year projections. Rent vs Buy Calculator: the breakeven year, a 5% rule check, and the opportunity cost of the down payment. State Income Tax Calculator: federal and state income tax, with a comparison by filing status. Others cover RMDs, IRMAA, Social Security claiming, HSA, capital gains, and budgeting.
Every tool is open about its assumptions. The Roth and rent vs buy pages cite IRS publications and the tax code. It all runs in the browser, and no sign-up is needed.
Most money calculators give you a single number and no way to see the assumptions behind it. I wanted to build tools that show every assumption, so you can change one and see how the result moves.