A calculator should answer a sentence.
You should leave with plain words: what changed, what did not, and what to check next.
Retirement calculators
Retirement calculators that explain the answer, not just the number.
Each tool answers one retirement question, then tells you what the result changes in the plan: income, taxes, health costs, housing, account timing, or family money.
30
free calculators
1-2
minutes each
0
account needed
Want the whole picture?
Calculators are useful in pieces. The map shows whether those pieces still work together.
The number is not the recommendation.
A result can show tax pressure, a break-even month, or a contribution gap without telling you what to do.
Every calculator has a nearby answer.
When a number needs context, the related answer page explains the rule, source trail, and tradeoff.
Featured calculator
Social Security
The standalone Social Security calculator has its own guide surface and still belongs in the calculator list.
Calculator group
Income, annuities + pensions
Social Security, pensions, annuity income, QLACs, and MYGA comparisons.
Income, annuities + pensions2 min
Pension lump sum vs annuity
Compare taking monthly pension income with taking a lump sum and investing it for retirement withdrawals.
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Income, annuities + pensions1 min
QLAC limit + RMD reduction
See the most you could put into a QLAC from your IRA and how much it would trim your first-year required withdrawal.
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Income, annuities + pensions1 min
Annuity income estimator
Get an illustrative estimate of the income a lump sum could provide, or the deposit a target income would need. Not a quote.
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Calculator group
Taxes + Roth
Bracket checks, Roth conversions, backdoor Roth cleanup, and employer-stock tax treatment.
Taxes + Roth1 min
Tax bracket quick check
Enter income, Social Security, and deductions to see the estimated federal bracket, effective rate, and tax bill.
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Taxes + Roth1 min
Backdoor Roth quick check
Check whether the backdoor Roth path looks clean, and whether the pro-rata rule may create conversion tax.
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Taxes + Roth2 min
NUA employer stock check
Compare net unrealized appreciation treatment against a full rollover when employer stock is inside a workplace plan.
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Taxes + Roth2 min
Roth conversion preview
See the tax cost today vs. possible tax savings later, before required withdrawals begin.
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Taxes + Roth1 min
Required withdrawal calculator
Regular IRA and 401(k) withdrawals usually start at 73 or 75 depending on birth year. See the first year and the next decade.
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Taxes + Roth1 min
Savings order preview
See how taxes change when money comes from different account types first.
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Calculator group
Accounts + withdrawals
Required withdrawals, inherited accounts, 401(k) room, and savings growth.
Accounts + withdrawals1 min
Inherited IRA 10-year check
Compare simple SECURE Act distribution patterns so one inherited IRA does not accidentally create a tax spike.
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Accounts + withdrawals1 min
401(k) max contribution check
Project contributions, catch-up room, employer match, and the balance a workplace plan may build by retirement.
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Accounts + withdrawals1 min
Savings growth calculator
Run plain compounding math for a savings balance, monthly contributions, return assumptions, and tax drag.
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Calculator group
Federal workers
FERS, TSP, FEHB, FEGLI, service buyback, and the federal income bridge.
Federal workers2 min
FERS Pension Estimator
Project your federal annuity. High-3, multiplier, FERS Supplement, COLA, and survivor options included.
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Federal workers2 min
TSP Savings Planner
See how a TSP balance, monthly spending, required withdrawals, and long-term timing work together.
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Federal workers2 min
FEHB + Medicare Coordinator
At 65: keep FEHB only, or layer in Medicare Part B and D? See lifetime cost across paths with Medicare surcharges included.
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Federal workers2 min
Federal Benefits Gap Analysis
McGregor framework: target vs. floor income, bridge vs. sustainability stages, and the Retirement Raise of deductions stopping.
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Federal workers2 min
FEGLI coverage check
See how Basic, Option A, and Option B coverage can change after retirement and age 65.
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Federal workers2 min
Federal service buyback check
Estimate how bought service years can change a FERS pension and roughly when the deposit breaks even.
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Calculator group
Medicare + health costs
Medicare premiums and IRMAA checks when income changes the health-cost line.
Calculator group
Place + home
Move costs, city fit, and mortgage decisions before a place becomes the plan.
Place + home1 min
Should I move? quick check
Compare everyday costs, state tax, property tax, and a one-time move budget before a retirement relocation gets too dreamy.
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Place + home1 min
Mortgage refinance check
Compare your current mortgage to a new rate. See the payment change, break-even month, and rough lifetime savings.
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Place + home1 min
Retirement city fit finder
Choose what matters most: cost, food, weather, activities, outdoor life, support, and access. Then see which local guides rise.
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Calculator group
Planning tradeoffs
Inflation, debt, college funding, and save-now-versus-later tradeoffs.
Planning tradeoffs1 min
Inflation and retirement check
See how today's spending target changes after years of inflation during retirement.
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Planning tradeoffs1 min
Save now vs later
Compare saving monthly now with waiting a few years, then see the catch-up amount needed later.
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Planning tradeoffs1 min
Debt payoff vs investing
Compare extra monthly dollars toward debt with investing while making minimum payments.
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Planning tradeoffs1 min
College vs retirement calculator
Test the sandwich-generation tradeoff between 529 funding and putting the same dollars toward retirement.
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Planning tradeoffs1 min
MYGA vs CD comparison
Compare a fixed annuity to a CD over a set term and see how the annuity’s tax deferral changes the after-tax result.
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Calculator group
Life expectancy
A life-expectancy range to keep retirement timing from resting on one age.
Calculator group
Family + estate
Gifting and estate-tax math before family money decisions get emotional.
Pick one question
Social Security, Roth, required withdrawals, annuity income, Medicare, or federal benefits.
Rough numbers are fine
You get a quick read now. The plan gets sharper later, when you want it to.
It carries forward
Any answer here can flow into your map when you want the whole picture.
Illustration based on your inputs. Not advice. Consult a licensed professional.