A free calculator for every major retirement question — taxes, Social Security, withdrawals, and growth. Each one works in your browser with no account. When you're ready to put them together, the full planner ties everything into one plan.
Open the full planner →Find the age your investments could cover your life for good — financial independence, retire early.
Open calculator →See if your current savings will grow into a full retirement with no further contributions.
Open calculator →How long your savings last at a given withdrawal rate, including Social Security income.
Open calculator →Run 1,000 market simulations to see the probability your money lasts through retirement.
Open calculator →Find the smaller portfolio you need when part-time income covers some of your expenses.
Open calculator →Cost of coverage from early retirement to Medicare — and how managing income cuts it.
Open calculator →Estimate the tax of a single conversion or a multi-year ladder, with bracket and IRMAA impact.
Open calculator →Compare the after-tax retirement value of each based on your tax rates now and later.
Open calculator →Estimate your required minimum distribution using the current IRS Uniform Lifetime Table.
Open calculator →Find your Medicare surcharge tier, and test whether a Roth conversion or gain crosses a cliff.
Open calculator →Estimate tax on long and short-term gains, with the 0/15/20% brackets stacked on income.
Open calculator →Project your retirement balance with contributions, employer match, raises, and growth.
Open calculator →See how a starting amount plus regular contributions grows when interest compounds.
Open calculator →Project the triple-tax-free growth of a Health Savings Account used for retirement.
Open calculator →See future cost and how much purchasing power your money loses to inflation.
Open calculator →Add up assets and subtract debts to see your total net worth with a clear breakdown.
Open calculator →Find how much to save each month to reach a target by your deadline.
Open calculator →Estimate the monthly income a lump sum produces, or the lump needed for target income.
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