The financial tools your advisor charges you for.
Free calculators for freelancers, veterans, teachers & immigrants. Optimize your money in under 60 seconds — no sign-up, no jargon.
Solo 401(k) Optimizer — 2026
estimated annual tax savings
calculations run
communities served
IRS limits — always current
free, forever
Built for your community
Every community deserves
a tool built for them.
The US financial system wasn’t designed with freelancers, veterans, teachers, or immigrants in mind. We build the tools that fill those gaps — free, cited, and in plain English.
More tools coming
W-2 optimizer · Real estate vs. stocks · Social Security estimator · Student loan forgiveness tracker
The process
Three steps to
financial clarity.
Most financial tools bury the answer behind sign-ups, paywalls, or advisor calls. We do it differently.
01
Enter your situation
Fill in 6–8 fields. No SSN, no bank login, no sign-up required. Just your income, age, filing status, and account situation. Takes under 2 minutes.
We never store your inputs. Everything runs in your browser.
02
Get your priority order
Our calculator applies 2026 IRS limits, phase-out rules, and self-employment math to show you exactly which accounts to fund first and how much — down to the dollar.
Every number is cited from official IRS publications.
03
Understand the why
Claude AI explains your personalized plan in plain English in under 60 words. No jargon, no upsell, no 'consult a professional' brush-off — just a clear explanation of your specific situation.
Share your result via a permanent link or download a PDF.
Live demo
See it in action.
No sign-up, no loading screen. Try the Solo 401(k) optimizer right now — change the numbers and watch your plan update instantly.
Your situation
We never store your inputs.
Your 2026 retirement plan
Fill in your details and click Calculate →
Real results
People keeping more
of what they earn.
“I had no idea I was leaving $18,000 a year in tax savings on the table. Took 4 minutes to figure out.”
Marcus T.
Freelance developer · Dallas, TX
“My TSP advisor quoted me $300 for a pension analysis. StackedTools did it in 60 seconds for free.”
Sgt. Denise R.
US Army, 14 years · Fort Hood, TX
“As an immigrant, I had no idea about tax treaties. The navigator explained my situation in plain English.”
Kwame A.
H-1B visa holder · Austin, TX
AI community guides
A financial expert
built for your community.
Every community gets its own AI guide — trained on their specific tax laws, retirement rules, and financial traps. Ask anything. Get plain-English answers with cited sources.
- ✓Knows 2026 IRS limits, treaty rules, and pension formulas
- ✓Connects to your calculator result for personalized answers
- ✓Suggests only vetted, community-relevant financial services
- ✓5 free questions/day · Unlimited for $9/month
Alex
Freelancers guide
“Should I do a Solo 401(k) or SEP-IRA? It depends on your income — let me break it down for your situation…”
Sarge
Veterans guide
“Your BRS multiplier changes at 12 years. Here's exactly what staying vs. leaving costs you in pension dollars…”
Sofia
Immigrants guide
“The US-India tax treaty covers 15% of your dividend income. Here's how to claim it on your return…”
Why StackedTools
Built different.
Every decision we made was in favor of the user — not the advertiser, not the affiliate, not the newsletter list.
Always free
Every calculator is free forever. No paywall, no "premium tier" for the core result. The PDF export is $9 — everything else is yours.
2026 IRS limits — always current
Every contribution limit, income phase-out, and catch-up provision comes from official IRS publications. We update within 24 hours of any IRS change.
Plain-English AI explanations
Claude explains your results in 60 words. Not a textbook. Not a disclaimer. A real explanation of why your plan is the way it is — like a knowledgeable friend.
Shareable result permalinks
Every result gets a permanent URL you can share. Send it to your accountant, spouse, or future self. No login needed to view a shared result.
Save your history
Create a free account to save results across all tools. Re-run with next year's limits in one click. Track how your savings grow year over year.
PDF export for your CPA
Download a branded, printable one-pager with your inputs, results, and IRS citations. $9 one-time per export — or just share the free permalink instead.
Community-matched recommendations
After your result, we surface 2–3 vetted financial services relevant to your community — HSA providers for freelancers, transition advisors for veterans. Never generic.
Privacy-first by design
We never sell your data. Calculator inputs are never stored. The only thing we keep (optionally) is your saved results — and only if you create an account.
Built for everyone
Keyboard-navigable, screen-reader tested, WCAG 2.1 AA compliant. Every label is visible, every contrast ratio meets minimum standards. No one gets left behind.
Partners we trust
We only recommend services we'd use ourselves. When you open an account through our links, we earn a small referral fee — at no cost to you.
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Veterans banking
Built specifically for military families
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