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All 12 retirement planning calculators
Annuity Income Estimator Calculator
Estimates the annual and monthly income a lump sum buys over a fixed term at an assumed interest rate, with payments at the start or the end of each year and an optional annual escalation. It reports the income, the total paid over the term, and the years of payments needed to return the premium. It prices a term certain, so it carries no mortality pooling and no insurer expense loading, and a real quote will be lower.
Retirement PlanningFinancial Independence Number Calculator
Computes the invested balance that supports your spending at the withdrawal rate you plan to use, then finds how many years of saving and real growth it takes to reach it. It reports your savings rate, your age on arrival, and how much sooner you would arrive saving half as much again. Growth is a single average real return, so it says nothing about the order in which returns arrive.
Retirement PlanningGlide Path Retirement Calculator
Simulate 100 market futures for a retirement plan whose mix of equities, bonds and cash follows a glide path by age, inside a seeded, reproducible workbook, and see the share of futures in which the money lasts to the end age, the equity share today and the spread of balances by age. Each year is drawn with the average return and volatility of that year's mix, less fees; contributions and withdrawals rise with inflation. Estimates for education, not advice.
Retirement PlanningMonte Carlo Retirement Success Calculator
Simulate 100 market futures for a retirement plan inside a seeded, reproducible workbook and see the share in which the money lasts, the spread of balances year by year, when failures happen, and how a smaller withdrawal, a later start or lower volatility moves the odds. Returns are lognormal with the average and volatility you enter, less fees; withdrawals rise with inflation. Estimates for education, not advice.
Retirement PlanningPension Lump Sum Vs Annuity Calculator
Values a pension offered as a monthly payment against a lump sum alternative by discounting the payments at the return you believe you could earn on the cash, including any annual increase and a survivor benefit. It reports which is worth more today and the discount rate at which the two are equal, and it says so plainly when the pension is worth less than the lump sum at every non-negative return, because then no such rate exists.
Retirement PlanningRequired Minimum Distribution Calculator
Projects the required minimum distributions from a retirement account year by year from a life-expectancy divisor that falls as you age, and reports the largest single year, the total distributed and the balance left at the end. Enter a tax rate and it also reports the tax on the distributions. The divisors are illustrative inputs you take from the governing table yourself; none is reproduced here.
Retirement PlanningRetirement Contribution Employer Match Calculator
Works out what you and your employer put into a workplace retirement plan over a year from the share of pay you defer, applies the plan's tiered match, and reports any employer money you are forfeiting. Use it to find the deferral that captures the whole match. The deferral and catch-up limits are illustrative inputs you set yourself, not a reproduced schedule.
Retirement PlanningRetirement Drawdown Withdrawal Calculator
Runs a retirement balance forward year by year against a withdrawal that rises with inflation, and reports whether the money lasts, the year it would first fall short, and the withdrawal that would last exactly the planned period. Use it to test a four percent rule or any other starting withdrawal against your own return and inflation assumptions.
Retirement PlanningRetirement Savings Projection Calculator
Projects what your retirement savings grow to by the age you plan to stop working, reported in today's money as well as the money of that year, and the annual income the balance supports at your chosen withdrawal rate. Enter a target income and it also reports the shortfall and the extra annual saving that would close it.
Retirement PlanningRoth Conversion Tax Impact Calculator
Compares converting a traditional balance to a Roth against leaving it alone, paying the conversion tax now and taxing the untouched balance when you eventually draw it. It reports which comes out ahead, the outside cash the conversion needs, and the future tax rate at which the two are equal. It models one conversion in isolation, not the bracket, surcharge and credit effects of adding the converted amount to a year's income.
Retirement PlanningSocial Security Claiming Age Calculator
Applies the early-claiming reduction and the delayed-retirement credits to the monthly benefit you would receive at full retirement age, then compares two claiming ages on the total received by a planning age and on the age at which the later claim overtakes the earlier one. The adjustment is derived from the published monthly rates rather than read from a table, and the benefit amount is yours to supply from your own statement.
Retirement PlanningTraditional Vs Roth Contribution Calculator
Compares a traditional and a Roth contribution of the same size by growing each forward and taxing it on the rules that apply to it, so the two are judged on what you keep rather than on what goes in. It reports which comes out ahead and the future tax rate at which they are equal, and it can invest the traditional contribution's up-front tax saving in a taxable side account, so the two routes can also be compared at equal cost.