Plan a retirement budget you can actually use
Retirement Budget helps you estimate the numbers that matter: income, spending, savings, taxes, required distributions, and withdrawal strategy.
Retirement snapshot
Sample planning dashboard
Monthly income
$7,420
Monthly expenses
$5,860
Budget your retirement lifestyle
Estimate housing, healthcare, food, travel, taxes, and everyday spending before you leave work.
Project savings and income
Model 401(k), IRA, Roth IRA, brokerage, Social Security, pension, and rental income in one plan.
Stress test withdrawals
Compare income needs, inflation, returns, and withdrawal assumptions so your plan is easier to adjust.
Retirement planning tools built for real decisions
RetirementBudget.org offers 637+ free calculators that cover every stage of retirement planning. Estimate Social Security benefits at different claiming ages, project required minimum distributions from 401(k) and IRA accounts, model Roth conversions, compare withdrawal strategies like the 4% rule, and forecast how inflation, taxes, and healthcare costs affect your savings over a 30-year retirement. Every calculator runs entirely in your browser — no account required, no data stored. Whether you are five years from retirement or already drawing income, these tools help you turn rough assumptions into a monthly plan you can act on.
Popular tools
Retirement calculators for every planning question
Retirement Budget Calculator
Build a full retirement budget with income, expenses, taxes, and savings assumptions.
RMD Calculator
Estimate required minimum distributions from traditional retirement accounts.
Social Security Calculator
Project Social Security benefits and see how claiming age affects income.
Retirement Withdrawal Calculator
Estimate how long savings could last under different withdrawal rates.
Roth Conversion Calculator
Compare tax tradeoffs when moving traditional retirement dollars into Roth accounts.
Pension Calculator
Estimate monthly pension income and how it fits with the rest of your plan.
Start with the full planner
One calculator for the core retirement budget
The retirement budget calculator brings the biggest planning inputs together so readers can move from rough guesses to a usable monthly plan.
Open retirement budget calculator