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Retirement Calculators
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Bring income, spending, taxes, and savings into one projection.
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Estimate how your savings could support your retirement goal.
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See how claiming age could affect your monthly benefit.
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Browse the full collection by planning area.
Highest-Priority Calculators
Our most popular retirement calculators covering 401(k), Roth IRA, Social Security, RMD, and core retirement planning.
Retirement Planning Tools
Comprehensive retirement planning calculators including FIRE, Monte Carlo simulations, retirement readiness assessments, and goal-setting tools to help you build a complete retirement strategy.
Withdrawal & Income Tools
Retirement withdrawal and income calculators including safe withdrawal rates, drawdown strategies, bucket strategies, and tax-efficient distribution planning tools.
401(k), 403(b), 457, TSP Tools
Calculators for employer-sponsored retirement plans including 401(k) contributions, loans, withdrawals, 403(b), 457(b), TSP, and Roth employer plan options.
IRA & Roth Tools
IRA and Roth IRA calculators for contributions, conversions, withdrawals, early withdrawal penalties, backdoor Roth strategies, SEP IRA, SIMPLE IRA, and custodial accounts.
RMD & Inherited IRA Tools
Required minimum distribution (RMD) calculators and inherited IRA tools including beneficiary RMD schedules, inherited Roth IRA distributions, and RMD tax planning.
Pension & Annuity Tools
Pension and annuity calculators for defined benefit plans, lump sum payouts, pension valuations, drawdown strategies, annuity income projections, and pension tax planning.
Government, Military & Public-Sector Tools
Calculators for federal employees (FERS, CSRS, OPM), military retirement (high-3, Redux, BRS), reserve and National Guard pensions, disability retirement, and military SBP.
State, Teacher, Union & Employer-Specific Niches
Retirement calculators for teachers (TRS, STRS, CalSTRS), state pension systems (CalPERS, OPERS, PERS, FRS), union pensions (Teamsters, IBEW, UAW), and employer-specific plans.
Retirement Income & Tax Planning
Tax planning calculators for retirement including capital gains, tax-loss harvesting, IRMAA, Medicare surcharges, charitable giving strategies, and tax diversification tools.
Healthcare & Long-Term Care
Healthcare cost calculators for retirement including long-term care, HSA planning, Medicare comparisons, ACA subsidies, nursing home costs, and assisted living estimates.
Estate Planning & Wealth Transfer
Estate planning calculators for estate tax, gift tax, inheritance planning, trusts, life insurance, step-up in basis, and probate cost estimates.
Housing & Real Estate in Retirement
Housing calculators for retirement including reverse mortgages, downsizing analysis, rent vs own comparisons, CCRC costs, and aging-in-place modifications.
Debt & Pre-Retirement
Pre-retirement debt calculators for mortgage payoff, student loan impact, debt elimination strategies, and vehicle financing decisions before retirement.
Investment & Withdrawal Strategies
Investment strategy calculators including bond ladders, CD ladders, TIPS, dividend income, annuity fees, asset allocation, rebalancing, and rental income projections.
FIRE Variations
FIRE movement calculators including Barista FIRE, Flamingo FIRE, Slow FIRE, geographic arbitrage, real estate FIRE, side income strategies, and gig economy retirement.
Specific Employer / Union Pensions
Pension calculators for specific state and municipal retirement systems including LACERS, SFERS, PERA, IMRF, SERS, WRS, and specialized federal pensions.
Lifestyle & Budgeting
Retirement lifestyle budget calculators for travel, hobbies, entertainment, groceries, dining, subscriptions, pets, and grandchildren gifts.
Life Events & Timing
Life event calculators for retirement timing including countdown tools, career breaks, divorce impact, widowhood planning, and optimal retirement date analysis.
Business Owners
Retirement calculators for business owners including defined benefit plans, business sale planning, S-Corp contributions, ESOPs, stock options, RSUs, and deferred compensation.
International & Expat
International retirement calculators for expats including foreign pension tax, Social Security totalization, retire abroad costs, and country-specific retirement planning.
Miscellaneous Tools
General retirement planning tools including Rule of 72, Rule of 55, SEPP/72(t) distributions, savings milestones, confidence scores, and emergency fund calculators.
Medicare & Insurance
Medicare calculators for enrollment penalties, coverage costs, employer insurance comparisons, lifetime cost projections, VA healthcare, and Tricare for military retirees.
Dental, Vision & Hearing
Retirement dental, vision, and hearing cost calculators including insurance comparisons, dental implants, hearing aids, and out-of-pocket estimates.
Prescription & Medication
Prescription drug cost calculators for retirement including Part D plan comparisons, drug inflation, brand vs generic savings, and pharmacy benefit analysis.
Long-Term Care (Advanced)
Advanced long-term care calculators including hybrid policies, memory care, Medicaid spend-down, caregiver costs, and veterans long-term care benefits.
Medical Procedures & Conditions
Medical procedure cost calculators for retirees including joint replacements, surgeries, cancer treatment, chronic illness management, and rehabilitation costs.
Health Savings & Planning
Health savings and planning calculators including healthcare costs by state, medical expense deductions, medical tourism, telehealth comparisons, and HRA tools.
Wellness & Preventive
Wellness and preventive care calculators for retirement including fitness memberships, preventive care savings, health screenings, and smoking cessation impact.
Disability & Special Needs
Disability and special needs retirement calculators including ABLE accounts, special needs trusts, disability benefits, adaptive equipment, and accessibility costs.
Caregiver Planning
Caregiver financial planning calculators including caregiver opportunity costs, tax credits, aging parent care, sandwich generation planning, and respite budgeting.
End of Life Planning
End of life planning calculators including funeral costs, cremation vs burial, hospice care, final expense insurance, life settlements, and estate medical debt.
Education & Family Legacy
Education and family legacy calculators including 529 plans for grandchildren, education trusts, tuition gifting, adult child support costs, and multi-generational planning.
Insurance (Non-Health)
Non-health insurance calculators for retirement including umbrella policies, homeowners, auto, life insurance cash values, annuity surrender charges, and liability coverage.
Legal & Administrative
Legal and administrative cost calculators for retirement including estate planning attorneys, trust setup, will preparation, guardianship, and tax preparation costs.
Technology & Digital
Technology and digital cost calculators for retirement including streaming services, cell phone plans, smart home setup, medical alerts, and digital estate planning.
Transportation
Transportation cost calculators for retirement including car replacement schedules, rideshare comparisons, EV savings, RV lifestyle costs, and senior driving assessments.
Alternative Retirement Lifestyles
Alternative lifestyle retirement calculators including van life, tiny homes, co-housing, nomad budgets, homesteading, off-grid living, and sailboat retirement.
Real Estate (Advanced)
Advanced real estate retirement calculators including 1031 exchanges, syndications, vacation rentals, Airbnb income, real estate crowdfunding, and senior housing investments.
Specific Professions
Profession-specific retirement calculators for doctors, lawyers, pilots, freelancers, clergy, truck drivers, construction workers, and more.
Women & Demographic-Specific
Demographic-specific retirement calculators addressing the gender pay gap, stay-at-home parent retirement gaps, single parent planning, career changers, and veteran spouses.
Seasonal & Recurring Expenses
Seasonal and recurring expense calculators for retirement including holiday gifts, appliance replacement, annual memberships, charitable giving, and tithing budgets.
Recession & Risk Planning
Recession and risk planning calculators including hyperinflation scenarios, cash reserve stress tests, black swan events, interest rate impacts, and emergency scenarios.
More International Destinations
Country-specific retirement calculators for popular international destinations including Spain, France, Italy, Colombia, Ecuador, Philippines, and more.
GO BEYOND ONE QUESTION
Bring everything into one plan.
The Plan Builder connects your income, savings, expenses, and goals so you can explore the bigger picture.
Social Security Tools
Social Security calculators for estimating benefits, finding your full retirement age, comparing claiming strategies, spousal benefits, WEP/GPO adjustments, and break-even analysis.