An Independent Magazine for the Second Act   ·   After Forty Feel
Tools · Free

Three calculators for the second-act decade.

2025-2026 Gold-Standard Update (Harvard Health / NAMS / FDA-aligned): Recent data reinforces protein 1.6g+/kg + resistance training as top levers for midlife (Pontzer, Walker). FDA/HHS 2025 updates on MHT timing benefit body comp. GLP-1 synergy. Individualize with labs (ferritin, insulin, DEXA). Sources: NEJM, NAMS, 2025 reviews.

→ NEW: Hormone Age Calculator — 12 questions, 90 sec, personalized report (free)

No signup, no email, no upsell. Just the math your doctor and your advisor probably aren't running for you. All results are private to your browser — nothing leaves this page.

Mind · Body

HRT readiness scorer

Based on the 10-year window framework (Hodis & Mack 2023). Estimates where you fall on the modern risk-benefit curve. Not medical advice — bring the result to a NAMS-certified clinician.

Money

Roth conversion year finder

Identifies whether this year (or a year in the next 5) is likely your Roth conversion window. Saves $40-$200K over a lifetime if you catch it. Uses 2025 IRS tax brackets.

Money · Social Security

Social Security claim-age optimizer

For married couples — runs the survivor-benefit math that most calculators skip. Identifies whether to claim at 62, 67 (FRA), or 70 for each spouse to maximize total household lifetime benefit.

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