Retirement Calculators
Free, plain-language retirement calculators. Everything runs in your browser — no account, and none of your numbers leave your device.
Six calculators for the decisions that actually move the numbers in retirement: when to start Social Security, how much the IRS will force out of your IRA, what will push your Medicare premiums up, and how much you can convert to a Roth before either happens. Each one shows the arithmetic and explains the rule behind it. The tax, Medicare, and IRS figures are read live from the agencies that publish them, so they stay current — how it all works.
Social Security start-age calculator
When should you claim Social Security? Enter the benefit estimates from your SSA statement for any claiming ages you're considering and compare them side by side: cumulative dollars over time, the exact break-even ages where waiting pulls ahead, and which choice pays the most depending on how long you live.
Open the calculatorRMD calculator
How much must you withdraw from your IRA or 401(k) each year? See your required minimum distributions year by year — from the age they begin under SECURE 2.0 (73 or 75, depending on when you were born) through age 95 — using the IRS Uniform Lifetime Table, with a chart, a full table, and the key totals.
Open the calculatorCurrent year RMD calculator
What is your required minimum distribution this year? List every traditional IRA, 401(k), and other account that carries an RMD with its prior December 31 balance, enter the age you reach this year, and get the one number you must withdraw by December 31 — using the Uniform Lifetime Table divisor read live from the federal regulations.
Open the calculatorIRMAA surcharge calculator
Will your income raise your Medicare premiums? IRMAA is an extra monthly charge added to your Part B and Part D premiums once your income crosses certain thresholds. Choose single or joint filing to see this year's income brackets and the exact monthly surcharge at each level, using the official CMS figures — no other inputs needed.
Open the calculatorRoth conversion calculator
How much can you convert to a Roth this year before it costs more than you planned? Enter your expected income — pension, IRA withdrawals, Social Security — and see the largest conversion that stays in your current federal tax bracket and under the next Medicare IRMAA tier, or enter an amount to get its exact federal tax, including the effect on how much of your Social Security is taxed.
Open the calculatorRetirement events timeline
What has to happen before — and after — your retirement day? A checklist of the key steps (Medicare enrollment, Social Security, notifying your employer, setting up withdrawals) laid out on a timeline relative to your retirement date. Check items off as you go, add your own events, and watch your percent complete climb.
Open the timeline