For advisors, planners & educators
Hand clients a calculator
you can stand behind
Worthune gives advisors and educators calculators to hand a client rather than a spreadsheet to explain. Every scenario accepts prefilled inputs in its link, states what it computes and what it leaves out, and draws its numbers from published sources such as the SSA life table. The same engine runs unified household management when your practice is ready.
Client conversations go better when the client can move the sliders themselves. Worthune's scenario calculators are free to share and take prefilled inputs in the link, and every one states exactly what it computes. The numbers underneath come from the tables: mortality from the SSA period life table, limits from the Revenue Procedure that set them.
Ship it asunified household management, planning software, or calculators & models. One API under all three.
Last reviewed
Every rule published
Every calculator links its published rules: the formulas, the assumptions, what it deliberately leaves out. "Where does this number come from?" has a one-click answer you didn't have to write.
Prefill and send
Build a link with a client's real numbers already in it and send it. They land mid-scenario with the sliders live, instead of staring at a blank form.
Mortality from the actual table
Life expectancy, annuity fairness, and insurance need run on the SSA 2023 period life table. The table was transcribed under a survivor-recursion check, because a mortality table typed by hand is exactly the error nobody notices for years.
Something to leave behind
Any computation renders as a print-ready record: inputs, outputs, assumptions, the figures it used, and a checksum that can be recomputed later. Useful in a client file, and it states plainly that it documents a computation rather than giving advice.
Current-year figures, cited
IRS, SSA, Medicare, and poverty-guideline values come from a sourced, dated registry that is updated when the rules change, and every model revision is public. How each model is tested before release is written up at worthune.com/methodology.
A link today, an API later
Day one is a link you paste into an email. If your practice builds a client portal, the same engine runs whole-household planning: projections, Monte Carlo, and coordinated strategies, one POST away. Nothing about day one depends on that.
“How long should we plan for?” For a 65-year-old woman, planning to the age she has a 25% chance of reaching:
| lifeExpectancyYears | 20.66 |
| expectedAgeAtDeath | 85.7 |
| probability of reaching 90 | 34.9% |
| planningAge | 93 |
| planningYears | 28 |
Life expectancy is 85.7. Planning to 85.7 is a coin flip. The planning age here is 93, and the gap between the two is 7 years of withdrawals you either funded or didn’t. That’s a conversation worth having with a table behind it instead of a rule of thumb. The table, its source, and the date we last checked it are all published.
Start with a link, grow into the API
Day one is just a link. When your practice builds a client portal, the same tested models and the whole-household planning engine behind them are one POST away. Unified household management then keeps each client's record current, under your brand.
https://worthune.com/scenarios/relocation
?currentSalary=95000
&newSalary=108000
¤tMonthlyExpenses=4200
&newMonthlyExpenses=4900
&movingCosts=6000
¤tSavings=40000
→ a working model of your client's decision,
with the verification card one scroll awayQuestions
Common questions
- Can I send a client a calculator with their numbers already in it?
- Yes. Every scenario calculator reads its inputs from the link, so you can build one with the client's figures already filled in and send it. They open it, move the sliders themselves, and see how the answer changes. That is a different conversation from being shown a printout of your assumptions.
- What are these calculators actually computing?
- Each one publishes its rules: the formulas, the assumptions, and what it deliberately does not model. That last part matters most, because a calculator that hides its simplifications is the one that embarrasses you in a client meeting. The published rules are a link you can send along with the calculator.
- Where do the underlying numbers come from?
- Published primary sources, recorded with the date each was last checked: mortality from the SSA period life table, contribution limits from the Revenue Procedure that set them, brackets from the IRS notice. Each is a sourced figure rather than a rule of thumb or a number someone typed in once and never revisited.
- Is this financial advice, or a compliance problem?
- Neither. Worthune computes illustrative planning figures from inputs someone supplies. It makes no recommendation, knows nothing about the person using it, and states plainly that it is not advice. The advice remains yours. This is the arithmetic underneath it, with its working shown.
- What does it cost to use these with clients?
- The scenario calculators on the site are free to link and share. Embedding them on your own site is free for three models with an attribution badge, and a subscription covers the full catalog and removes the badge. When your practice wants a client portal under its own brand, that is unified household management on the Growth tier.
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