Retirement Tools Built for Real Workers

Calculate your Financial Independence number - the amount you need to retire early and live off your investments.

Find out when you can stop saving and let compound growth do the work to reach your retirement goal.

Calculate how much you need to semi-retire with a part-time job covering expenses while investments grow.

Plan for an abundant early retirement with higher spending and a more comfortable lifestyle.

Calculate the minimum needed to achieve financial independence with a frugal lifestyle.

Understand how the order of investment returns impacts your retirement portfolio survival.

Federal employees: Estimate your FERS pension, FERS Supplement, and TSP income in retirement.

Calculate your Special Retirement Supplement - the bridge payment from retirement until Social Security.

Calculate your FERS basic annuity based on high-3 salary, years of service, and retirement age.

Project your Thrift Savings Plan growth and retirement income from your federal TSP contributions.

California public employees: Estimate your CalPERS pension based on your formula, service credit, and final compensation.

Detailed CalPERS benefit calculation with multiple retirement formulas and service purchase options.

California teachers: Calculate your CalSTRS retirement benefits based on years of service and age factor.

Find your optimal Social Security claiming age. Compare benefits at 62, FRA, and 70 to maximize lifetime income.

Calculate when delaying Social Security pays off by comparing total benefits at different claiming ages.

Calculate how the Windfall Elimination Provision affects your Social Security if you have a pension from non-covered work.

Estimate Medicaid eligibility and learn legitimate strategies to protect assets while qualifying for long-term care.

Project your 401(k) growth with employer matching, contribution rates, and compound interest. See your retirement savings potential.

Calculate how much you need to retire comfortably. Factor in Social Security, expenses, and inflation to see if you're on track.

Plan your retirement budget and see how different spending levels affect your portfolio longevity.

Estimate how long you might live based on health factors and plan your retirement income accordingly.

How long will your savings last? Calculate when your retirement funds may run out based on expenses and income.

Run thousands of simulations to see the probability of your retirement plan succeeding under various market conditions.

Calculate your Required Minimum Distributions and plan your Gold IRA withdrawals strategically.

Calculate penalty-free early withdrawals using IRS Rule 72(t). Compare all three IRS-approved calculation methods.

Analyze whether converting traditional IRA to Roth makes sense based on your tax situation and time horizon.

Compare taking a monthly pension versus a lump sum payout. See which option provides more lifetime value.

Calculate the present value of your pension to understand its true worth in today's dollars.

Calculate Railroad Retirement Board benefits including Tier I, Tier II, and spousal benefits. Compare to Social Security.

Focused Tier I (Social Security equivalent) calculator with WEP/GPO considerations for mixed railroad and non-railroad work.

Calculate required distributions for inherited IRAs under the new SECURE Act rules for beneficiaries.

Estimate estate taxes and inheritance amounts. Plan how to maximize what you leave to heirs.

Calculate income and tax benefits from a CRT while supporting your favorite charities.

Calculate Net Unrealized Appreciation tax savings for employer stock in your 401(k). Compare NUA vs regular rollover strategy.

Discover how much of your 401(k) is exposed to stock market volatility. See your estimated risk score and potential losses in a market crash.

Test your portfolio against historical crashes like 2008, COVID-19, and the dot-com bubble. See how gold allocation could protect your retirement.

Compare setup fees, storage costs, and annual charges across different Gold IRA companies.

Calculate how much you could receive from a reverse mortgage and understand the costs and implications.

Calculate Home Equity Conversion Mortgage benefits for seniors 62+ looking to access home equity in retirement.

Calculate maximum contributions for self-employed individuals including employee and employer portions.