Free calculators that answer the retirement questions you’re actually asking — every number computed on your device, nothing tracked, no signup required.
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Start Here: Your Path Through Retirement Planning
A five-minute, plain-language overview of the whole picture — the four stages of a retirement plan, how the decisions connect, and where to jump in. Read the guide →
Getting ready (10+ years out)
Almost there (retiring within 5 years)
Already retired
Understand the concepts
634
worked examples — find the page that matches your numbers
Why trust these numbers?
- Open math — every formula is visible in the page source
- Unit-tested engines — anchor cases verified before every build
- 2026 tax data — brackets, standard deductions, and IRMAA tiers current
- Runs entirely in your browser — no data leaves your device
- Built as education, not advice — understand the math, then talk to a professional
Educational purposes only. This calculator illustrates mathematical concepts related to long-term investing and is not financial advice. Past market returns do not guarantee future results. Portfolios can lose value. The formulas assume constant returns and do not account for taxes, fees, inflation, or sequence-of-returns risk. Consult a qualified financial professional before making investment decisions.