Pick one question
Social Security, Roth, required withdrawals, income, or federal benefits.
Retirement calculators
Quick calculators for the big retirement questions.
Use one calculator when you want a quick check. Use the map when you want all the pieces working together.
Want the full picture?
The journey uses your answers to build one plain retirement map at the end.
Calculator group
Moving & housing
Free tools. No account needed to open them.
Moving & housing1 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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Moving & housing1 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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Moving & housing1 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
Taxes
Free tools. No account needed to open them.
Taxes1 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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Taxes1 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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Taxes2 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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Taxes2 min
Roth conversion preview
See the tax cost today vs. possible tax savings later, before required withdrawals begin.
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Taxes1 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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Taxes1 min
Savings order preview
See how taxes change when money comes from different account types first.
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Calculator group
Accounts & withdrawals
Free tools. No account needed to open them.
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
Income & pensions
Free tools. No account needed to open them.
Income & 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 & pensions1 min
Social Security timing check
Compare claiming at 62, 65, 67, and 70. See when waiting may catch up and how the lifetime checks change.
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Calculator group
Healthcare
Free tools. No account needed to open them.
Calculator group
Money decisions
Free tools. No account needed to open them.
Money decisions1 min
Inflation and retirement check
See how today's spending target changes after years of inflation during retirement.
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Money decisions1 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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Money decisions1 min
Debt payoff vs investing
Compare extra monthly dollars toward debt with investing while making minimum payments.
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Money decisions1 min
College vs retirement calculator
Test the sandwich-generation tradeoff between 529 funding and putting the same dollars toward retirement.
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Calculator group
Estate
Free tools. No account needed to open them.
Calculator group
Planning
Free tools. No account needed to open them.
Calculator group
Federal benefits
Free tools. No account needed to open them.
Federal benefits2 min
FERS Pension Estimator
Project your federal annuity. High-3, multiplier, FERS Supplement, COLA, and survivor options included.
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Federal benefits2 min
TSP Savings Planner
See how a TSP balance, monthly spending, required withdrawals, and long-term timing work together.
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Federal benefits2 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 benefits2 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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Use rough numbers
The calculator gives a quick read. You can refine the plan later.
Save what matters
Calculator results can flow into the plan when you want a bigger map.
Illustration based on your inputs. Not advice. Consult a licensed professional.