Four free calculators answer the biggest questions around retirement: how much you need and when you can stop working, whether moving pre-tax savings into a Roth actually saves you tax, which account to spend from first once retired — and what healthcare and Medicare will cost you along the way.
No sign-up, nothing to install. About 10 minutes per tool — and your basic profile is shared between the tools, so you only type it once.
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01THE BIG PICTURE
Can You Retire?
Retirement Readiness Check
Walk through guided questions on spending, savings, Social Security and taxes, and get a straight answer: the earliest age you can retire, the nest egg you need, and whether you're on track.
Earliest workable retirement age and the savings it takes
When to claim Social Security, using the real SSA rules
Year-by-year table: income, tax, RMDs and IRMAA — plus CSV download
Stress tests: low returns, high inflation, a Social Security benefit cut
About 10 minutes · Step-by-step questions · Spouse planning supported
Answer guided questions about your 401(k) or IRA, income and tax bracket, and get a one-sentence verdict: whether converting pays off, how much to convert, and in which years.
A one-sentence verdict, in plain language
Convert vs. don't convert, compared year by year — taxes, RMDs, balances
After-tax wealth curve and a suggested conversion amount
ACA subsidies, survivor scenario and market-drop cases included
About 10 minutes · Step-by-step questions · Change any answer and results update
Once you're retired, the order you tap taxable, pre-tax and Roth accounts changes your lifetime tax bill. Answer guided questions and compare four withdrawal strategies side by side — with your RMD schedule built in.
Four withdrawal orders compared: lifetime tax and after-tax wealth
Your RMD start age and year-by-year required withdrawals
Bracket-filling and QCD opportunities, year by year
Year-by-year table for the winning strategy — plus CSV download
About 10 minutes · Step-by-step questions · Uses the profile you already entered
Price the years between retiring and Medicare at 65, then Medicare itself — Part B, Medigap or Medicare Advantage, IRMAA surcharges and long-term care — into one lifetime number.
The bridge years before 65, priced per person
Your IRMAA tier in plain dollars, from the two-year lookback
Medigap + Part D vs. Medicare Advantage, costed your way
Year-by-year cost chart and table — plus CSV download
About 10 minutes · Step-by-step questions · Uses the profile you already entered
Most people start with “Can You Retire?” — once you have a retirement date and a target number, the Roth tool tells you how to keep more of it, the withdrawal planner orders your accounts once you stop working, and the healthcare planner prices the medical bills in between. Tap the statement that sounds like you:
How the tools work
1
One question at a time
No giant forms. Each step asks one thing and tells you where to find the number — your 401(k) at Fidelity, your benefit estimate at ssa.gov, income from a pay stub or W-2.
2
An instant, plain-language verdict
The math runs as you answer. You get the headline answer first, then the numbers behind it — no spreadsheet to build, nothing to sign up for.
3
Take the numbers with you
Print a summary or download the year-by-year table as CSV. Switch between tools any time — your basic profile carries over, so you don't re-enter it.
Have these handy
401(k) and IRA balancesFrom your brokerage or plan site, e.g. Fidelity
Social Security benefit estimateYour statement at ssa.gov
Rough monthly spendingWhat life costs now is the best starting point
A recent pay stub or last year's W-2 / tax returnFor income and your current tax bracket
Quick questions
Do the tools share my answers?
Your basic profile — birth year, retirement timing, income basics — is shared, so entering it in one tool pre-fills the others. Tool-specific answers stay in that tool.
Can I redo it with different assumptions?
Yes. Every answer has an edit button on the results page, and the verdict, charts and tables recalculate immediately. Try a later retirement date or a lower spending level and compare.
Are the Social Security and tax rules real?
Yes. Claiming math uses actual SSA rules (full retirement age by birth year, reductions and delayed credits), and the tax model uses 2026 federal brackets and the standard deduction. Assumptions are shown with the results.
Your privacy comes first
Everything you enter in these tools is calculated entirely in your own browser. None of your data is sent to a server, stored by us, or tracked.