You can't plan for every question a client will ask. But you can have the tools to answer them on the spot.
Calculators in Kerdora are separate from the planning modules. They're standalone tools you pull up when a question comes up mid-conversation: "What if I save an extra $500 a month?" "What return do I need to hit my number?" "How long will my money last if I spend $80,000 a year?"
How I think about it
The planning modules handle the structured work: goals, investments, insurance, taxes, estate. But clients don't stay on script. They ask follow-up questions, they throw out hypotheticals, they want to see what happens if they change one variable.
That's what the calculators are for. You don't have to leave the client meeting to run numbers in a spreadsheet. Pull up the calculator, plug in the question, show them the answer. It keeps the conversation moving and builds confidence that you actually know what you're talking about.
The two primary calculators
Versatile Calculator — the projection tool. Start with a balance, add payments, set return assumptions, and project forward. Handles inflation, fees, taxes, and variable returns. Can solve for ending balance, required payment, or present value. This is the one you'll use most.
Time Value of Money — the classic TVM calculator. Five variables (present value, future value, rate, payment, time), solve for any one. Quick answers to straightforward questions.
Access both from the calculator icon in the app header. Each one has its own article that goes deeper.