Retirement Hub
40 free retirement calculators. Plan your number before you stop working.
Retirement Savings Calculator
Project how much you'll have at retirement based on savings, returns, and years.
401(k) Projection Calculator
Project your 401(k) balance at retirement including employer match.
Roth IRA Calculator
Project Roth IRA growth, assuming after-tax contributions and tax-free withdrawals.
Traditional IRA Calculator
Project a Traditional IRA including pre-tax contribution tax savings.
Social Security Benefit Estimator
Estimate monthly Social Security benefits at 62, 67, and 70.
Pension Calculator
Calculate defined-benefit pension income from final salary and service years.
FIRE (Financial Independence) Calculator
Calculate your FIRE number and time to financial independence.
Retirement Income Calculator
Estimate monthly retirement income from savings, Social Security, and pension.
Required Minimum Distribution (RMD)
Calculate your Required Minimum Distribution from IRA/401(k) after age 73.
Catch-Up Contribution Calculator
See how much more you can contribute to retirement after 50.
Employer Match Calculator
Calculate the 401(k) employer match you're leaving on the table.
Retirement Gap Analyzer
Identify the gap between your projected retirement savings and what you'll need.
Annuity Calculator
Calculate fixed annuity payouts and lifetime income from a lump sum.
Retirement Spending Calculator
Model retirement spending in today's dollars with inflation adjustment.
Healthcare Cost in Retirement
Estimate healthcare costs in retirement including Medicare premiums.
Downsizing Savings Calculator
Calculate the retirement impact of selling a large home and downsizing.
Part-Time Retirement Income Calculator
See how part-time work in retirement extends your savings.
Early Retirement Penalty Calculator
Calculate the 10% early withdrawal penalty and tax on pre-59½ IRA withdrawals.
Retirement Tax Planning Calculator
Model taxes on retirement income from Social Security, pre-tax, and Roth sources.
Legacy / Inheritance Calculator
Project the estate you'll leave, accounting for retirement draws and growth.
4% Rule Withdrawal Rate Calculator
Test the classic 4% safe withdrawal rule against your own spending and portfolio.
Sequence of Returns Risk Calculator
See how a bad market early in retirement permanently damages your portfolio vs. the same returns later.
Monte Carlo Retirement Simulator (Success Rate)
Estimate your retirement success probability using a simplified Monte Carlo approximation.
Bucket Strategy Retirement Calculator
Size three buckets (cash, bonds, stocks) by years of spending to survive any market.
Dividend Income Retirement Calculator
Size a portfolio to generate a target dividend income, and check sustainability.
Bond Ladder Retirement Calculator
Build a bond ladder to cover fixed annual expenses for N years of retirement.
TIPS Ladder Calculator
Build a Treasury Inflation-Protected Securities ladder to cover inflation-adjusted retirement spending.
QLAC (Qualified Longevity Annuity) Calculator
Model a Qualified Longevity Annuity Contract to defer RMDs and guarantee late-life income.
HSA Retirement Calculator
Project a Health Savings Account used as a stealth IRA for tax-free retirement healthcare.
Long-Term Care Cost Calculator
Project long-term care (nursing home, assisted living) costs and the gap vs. your savings.
Reverse Mortgage Calculator
Estimate a HECM reverse mortgage principal limit, monthly tenure payment, and impact on equity.
Retirement Relocation Calculator
Compare two states for retirement: income tax, property tax, cost of living, and savings.
COLA Adjustment Calculator
Project how Cost-of-Living Adjustments affect Social Security and pension income over time.
Retirement Tax Bracket Planner
Model which tax bracket your retirement income will land in and how Roth conversions reshape it.
IRA Rollover & Roth Conversion Calculator
Model a Traditional-to-Roth rollover: tax cost now vs. tax-free growth later.
Solo 401(k) Calculator
Compute Solo 401(k) contribution limits for self-employed owners (employee deferral + employer profit share).
SEP IRA Calculator
Calculate Simplified Employee Pension contribution for self-employed and small-business owners.
SIMPLE IRA Calculator
Calculate employee and employer contributions to a SIMPLE IRA for small-business retirement savings.
Social Security Break-Even Calculator
Calculate the break-even age for claiming Social Security at 62, 67, or 70 based on PIA and life expectancy.
Survivor & Widow Benefit Calculator
Estimate Social Security survivor benefits for a widow or widower based on the deceased spouse's PIA.