Wealth Planning Tools
Plouton Life Wealth Tools
Start where you are. See what's next.
Every stage of life comes with its own money questions. Find the tool built for yours — no rules of thumb, just the real math.
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Flagship tool · Monte Carlo projection
Retirement Clarity Score
Our most in-depth tool. Model your income needs, your buckets of money, inflation, and taxes — then run thousands of real market scenarios to see how confident you can be in the plan you're building.
AI document review
In-Force Illustration Checkup
Upload the annual in-force illustration for an existing IUL or whole life policy. We'll read it and flag whether it's still on track to do what you were originally sold — or quietly drifting toward a lapse.
S&P 500 vs. Indexed Annuity — Growth
Compare decades of real S&P 500 history against an indexed annuity's participation-rate crediting strategy — same market, two very different rides.
Cash Flow Independence Score
For parents and entrepreneurs building toward more freedom. See how much of your expenses are already covered by cash flow that doesn't depend on you showing up to earn it — and your odds of closing the rest of the gap.
RMD Calculator
See exactly when the IRS says it's time to start drawing from your pre-tax accounts, and how much — using the real Uniform Lifetime Table and the actual SECURE 2.0 age for your birth year.
S&P 500 vs. Indexed Annuity — Sequence of Returns
The market's long-run average matters less than what happens the year you retire. See how sequence-of-returns risk plays out for real historical retirement start years.