Retirement tools

Free calculators for the finish line — your retirement number, safe withdrawal rates, Social Security timing, RMDs, and whether your money will actually last.

22 resources

Calculator 401(k) Match You Are Leaving on the Table Calculate the exact free money you forfeit each year by under-contributing to your 401(k) match — then see what that compounds to by retirement. Open → Calculator Barista FIRE: Partial-Retirement Portfolio Calculator Calculate how much smaller your nest egg can be when part-time work covers part of your expenses — and how many years of part-time work buy you an earlier exit. Open → Calculator Catch-Up Contribution Impact Calculator (Age 50+) See how much extra retirement wealth the IRS catch-up contribution allowance creates for workers 50 and older — including the new SECURE 2.0 super catch-up for ages 60–63. Open → Calculator Coast FIRE Number Calculator Find out how much you need saved today so you can stop contributing and let compound growth alone carry you to full retirement — your Coast FIRE number. Open → Calculator Employer Stock Concentration Risk Calculator See how much a drop in your company's stock would damage your total retirement portfolio — and what diversifying could be worth over 10 years. Open → Calculator Healthcare Bridge Before Medicare Cost Calculator Calculate your total out-of-pocket healthcare costs from early retirement until Medicare eligibility at 65 — a hidden expense that can dwarf other retirement gaps. Open → Calculator Inflation-Adjusted Retirement Income Need Calculator See how much nominal income you will need at retirement to match today's purchasing power — and what your portfolio must earn to sustain it through a 20-year retirement. Open → Calculator IRA Contribution Limit and Phase-Out Checker (2025) Find out exactly how much you can contribute to a deductible traditional IRA or Roth IRA in 2025 given your income, age, and whether you have a workplace retirement plan. Open → Calculator Pension Lump Sum vs Annuity Breakeven Calculator Find the age where your pension annuity payments surpass a one-time lump sum invested in the market — and see which choice wins at your life expectancy. Open → Calculator Required Minimum Distribution (RMD) Projector Project your RMD ladder from age 73 and see how much you will be forced to withdraw each year from your traditional IRA or 401(k). Open → Calculator Retirement Savings Shortfall Gap Calculator Find exactly how much your retirement savings will fall short of your goal — and the precise monthly addition needed to close the gap. Open → Calculator Retirement Tax-Bracket Planner Estimate your federal effective tax rate in retirement by combining Social Security, pension, IRA withdrawals, Roth income, and capital gains — and see your after-tax take-home. Open → Calculator Roth vs Traditional: Lifetime Tax Decision Engine Compare after-tax retirement wealth for Roth vs Traditional contributions using your current and expected retirement tax rates — with a clear verdict. Open → Calculator Sequence of Returns Risk Visualizer See how identical average returns can produce wildly different portfolio outcomes depending on whether bad years hit early or late in retirement. Open → Calculator Social Security Claiming-Age Breakeven See the exact age where claiming Social Security at 70 overtakes 62 in total lifetime benefits — and whether you will live to that crossover. Open → Calculator Spousal Social Security Strategy Optimizer Compare household Social Security claiming strategies — both at 62 vs higher earner delays to 70 — to find the combination that maximizes lifetime household benefits. Open → Calculator True Cost of Early 401(k)/IRA Withdrawal Calculator See the real cost of cashing out your 401(k) or IRA early — penalty, taxes, and the compounding opportunity cost you permanently surrender. Open → Calculator Will My Money Last? Longevity Drawdown Simulator Simulate whether your retirement portfolio survives to your target age under your spending rate, real return, and inflation assumptions. Open → Calculator Your Retirement Number: Three Methods Compared Calculate your retirement target three ways — 25x expenses, income-replacement, and expense-based — and see which method sets the highest and lowest bar. Open → Guide How Much Do I Actually Need to Retire? Three Honest Methods Skip the one-size-fits-all number. Three legitimate ways to size your retirement nest egg, compared side by side with a worked dollar example. Open → Guide Roth vs Traditional 401(k): Which One Wins for You? The Roth-versus-traditional decision comes down to one question about your tax rate now versus later. A clear framework plus a worked dollar example. Open → Guide When Should I Claim Social Security — 62, 67, or 70? A plain-English guide to the real trade-offs of claiming Social Security at 62 versus full retirement age versus 70, with a worked dollar example. Open →