The ChequeMate headline is intentionally simple. Underneath is the real thing: a projection after federal, state, payroll, and capital-gains taxes, year by year, for all 50 states.
Net worth at retirement
Monthly income
Lifetime taxes
Fund status
Pick a starting point close to you, then make it yours. Or open a blank planner.
Most calculators apply one made-up tax rate. ChequeMate runs the real brackets, every year, and shows its work.
2026 federal brackets plus all 50 states and DC, payroll (FICA), and capital gains, indexed each year. The same engine your projection runs on.
| Year | Taxes | Net worth | |
|---|---|---|---|
| 2026 | Working | $31.9K | $115.2K |
| 2040 | Working | $49.9K | $870.6K |
| 2055 | Peak | $80.4K | $3.1M |
| 2056 | Retired | $1.2K | $3.2M |
| 2085 | Retired | $29.9K | $6.4M |
Gross income, taxes by type, each account, and net worth, for every year from today through retirement. Nothing hidden.
Your numbers stay yours
The cost-of-waiting calculator runs entirely in your browser, no account needed. Your saved plan is protected with field-level encryption, and your numbers are never sold or shared.
About a minute, five inputs, a believable projection, and the full year-by-year math behind it.