CalcNimbus Blog
Articles, guides, and tips to master your financial, tax, and everyday calculations.
401(k) vs Roth IRA: Which Should You Fund First?
The smart funding order is match, then Roth IRA, then max your 401(k). Here's how pre-tax and after-tax accounts compare, with 2025 limits and a worked example.
How Much Should You Have Saved by Each Age?
Wondering how much you should have saved by 30, 40, or 50? Here are the popular salary-multiple benchmarks, why they're guidelines not rules, and how to catch up.
How to Calculate Your Net Worth
Net worth is everything you own minus everything you owe. Here's what counts on each side, why it's the real wealth scoreboard, and a full worked balance sheet.
The Power of Compound Interest (Why Starting Early Wins)
Compound interest is interest earning interest. Here's how it works, the Rule of 72, and why starting at 25 beats a 35-year-old saving twice as much.
Roth IRA Rules and Income Limits for 2025
Everything you need for 2025: the $7,000 Roth IRA limit, MAGI phase-out ranges for single and married filers, the 5-year rule, tax-free withdrawals, and no RMDs.
Required Minimum Distributions (RMD) Explained
Required Minimum Distributions force you to withdraw from tax-deferred accounts starting at age 73. Here's how they're calculated, the penalty for missing one, and smart timing.
What Is Coast FIRE? How to Know If You Can Stop Saving
Coast FIRE is the moment your invested money is enough to grow into your full retirement number with no new contributions. Here's the math and a 2025 worked example.