Retirement calculators
Each page shows the formula step by step, works an example for an invented household, and links to the screen that runs the same sum on your whole plan. They're educational, not advice.
- RMD calculator: how to work out your required minimum distributionWork out a required minimum distribution by hand with the IRS Uniform Lifetime Table, with a worked example and the start ages by birth year.
- Roth conversion tax calculator: what a conversion will costEstimate the federal tax on a Roth conversion, and how much fills a bracket, step by step with a worked example in this year's brackets.
- Social Security claiming calculator: your benefit at 62, full retirement age and 70Work out how claiming early or late changes your Social Security benefit, using the official reduction and delayed credit rules, plus the break-even age.
- Safe withdrawal calculator: what your savings can pay each yearWork out your withdrawal rate from your savings, spending and guaranteed income, see what common rates imply, and learn why one fixed rate is only a start.
- Retirement savings calculator: how much you need and how much to saveEstimate how much you need saved to retire and how much to save each year to get there, with the formulas and a worked example.
Looking for background first? The guides explain each rule in more depth.