Plan Your Retirement
Free calculators for smarter decisions
Estimate taxes, project your savings, calculate required minimum distributions, and optimize your Social Security claiming strategy. All based on current 2026 tax law and IRS guidelines.
Retirement Projection
Model your complete retirement income from pre-tax, Roth, and taxable accounts through age 100. See year-by-year taxes, withdrawals, and balances.
- Project all account types together
- Automatic tax optimization
- RMD calculations built-in
- Interactive charts & tables
Tax Estimator
Calculate federal income tax on your retirement income including Social Security, 401(k) withdrawals, and investment distributions. Includes IRMAA estimates.
- Social Security taxation
- Medicare IRMAA surcharges
- Visual tax breakdown
- All filing statuses
RMD Calculator
Calculate your Required Minimum Distributions from traditional IRAs and 401(k)s. Based on IRS Uniform Lifetime Table and SECURE 2.0 Act rules.
- SECURE 2.0 compliant
- Multi-year projections
- Tax impact analysis
- Spouse beneficiary option
SS Breakeven Analysis
Decide when to claim Social Security by comparing lifetime benefits. See the breakeven age between claiming early, at FRA, or delayed.
- Lifetime benefit comparison
- Breakeven ages calculated
- COLA adjustments
- Interactive charts
Survivor Benefits
Plan for spousal and survivor Social Security benefits. Compare claiming strategies for married couples and understand widow/widower benefits.
- Spousal benefit estimates
- Survivor benefit rules
- Dual claiming strategies
- FRA calculations
⚠️ Important Disclaimer
These calculators provide estimates only based on current 2026 tax law. Actual results will vary due to market performance, tax law changes, and individual circumstances.
This is not financial advice. Always consult a qualified financial advisor or tax professional for personalized guidance. Read full disclaimer →