Free Retirement Planning Tools
Retirement Calculators Built on Real Data
Retire Calculators is a free library of retirement calculators and plain English guides covering Social Security, Medicare, safe withdrawals, pensions, and estate taxes. No signup and no sales pitch, just clear numbers you can act on.
Why People Use Retire Calculators
30+
Free calculators and guides
Official Data
Built on public government sources
Always Free
No accounts and no email walls
Private
Calculators run in your browser
Current
Updated for 2026 rules and tables
Retire Calculators is a free resource for people who are retired or planning retirement, with tools and guides that show their sources and explain their math.
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Popular Retirement Calculators
Each tool answers one question clearly, shows its assumptions, and sits inside a guide that explains what to do with the result.
Life Expectancy Calculator
How long should your money last? This calculator uses official Social Security life tables to estimate your planning horizon, with clear notes on how to read the results.
Calculate Life Expectancy →Coast FIRE Calculator
Find the balance where compounding can finish the job without another dollar saved. Enter your age, savings, and target, then see your coast number and the age you reach it.
Find Your Coast Number →Safe Withdrawal Rate Calculator
Test how much you can draw from savings each year without outliving your portfolio. Compare withdrawal rates side by side before you commit to one.
Compare Withdrawal Rates →Social Security Break Even
Claiming early means smaller checks for longer. See the age where waiting overtakes claiming now, so you can weigh the tradeoff with real numbers.
Find Your Break Even Age →IRMAA Calculator
Higher income can raise your Medicare premiums two years later. Estimate whether your income crosses an IRMAA threshold and what the surcharge means for you.
Check Your IRMAA Surcharge →Estate Tax Calculator
Estimate potential federal estate tax exposure and see how exemptions apply to your situation. A clear starting point before you talk to an estate attorney.
Estimate Your Estate Tax →The Full Library
Browse Every Calculator by Category
Every tool and guide on the site, grouped by the decision it helps you make.
Social Security
Claiming age, spousal benefits, COLA adjustments, and how your benefits get taxed.
Medicare & Health Costs
IRMAA surcharges, plan comparisons, penalties, and budgeting for care.
Withdrawals & Early Retirement
Withdrawal rates, sequence risk, Coast FIRE, and penalty-free early access.
Pensions & Federal Benefits
Lump sum decisions, pension values, and tools for FERS, TSP, and military service.
Taxes, Estate & Legacy
Estate and inheritance taxes, inherited IRA rules, QCDs, and end of life planning.
Longevity & Timing
Start with how long retirement could last, then decide when work becomes optional.
Our Approach
Clear Math, Sources Shown, Nothing to Buy
Official data sources
Calculators are built on public sources like Social Security life tables and current IRS rules, and each page explains its method.
Plain English answers
Every calculator sits inside a guide that explains the rule, the tradeoffs, and what to do with your result.
Free and private
No accounts and no email walls. Calculators run in your browser, so your inputs stay on your device.
One decision per tool
Each calculator answers a single question instead of burying you in a giant planner, so you can move from question to answer in minutes.
Latest Guide
Planning Guides
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End of Life Planning Checklist: Documents and Decisions
An end of life planning checklist is a written list of the legal documents, account details, and wishes your family needs if you can’t speak for yourself, and after you die. It covers signed papers, beneficiary designations, an inventory of accounts, digital access, funeral choices, and what survivors do in the first weeks. Most people…
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Social Security at 62 vs 67: The Real Difference
Social security at 62 vs 67 comes down to one trade: a smaller check that starts five years sooner, or one about 43% larger that starts later. For anyone born in 1960 or later, the full retirement age is 67, and claiming at 62 locks in 70% of your full retirement benefit for life. On…
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Inheritance Tax by State: Who Pays and How Much
This calculator answers one question: how much will a single heir owe? Pick the state where the person who died lived, choose how the heir was related, and enter the value that heir receives. It returns the bill, the effective rate, the exemption applied, and what the heir keeps, using the class schedules each revenue…
Good to Know
Frequently Asked Questions
Are the retirement calculators on this site free?
Yes. Every calculator and guide on Retire Calculators is free to use. There are no accounts, no email walls, and no paid tiers.
Where does the data behind the calculators come from?
From official public sources such as Social Security Administration life tables and current IRS rules and thresholds. Each calculator page lists the sources and assumptions behind its math.
Do the calculators store my financial information?
No. The calculators run in your browser, and the numbers you type into them are not sent to our servers or saved anywhere. You can close the page and nothing remains.
Can these calculators replace a financial advisor?
No. They are educational tools that help you frame a decision and ask better questions. For choices with lasting consequences, bring your results to a fiduciary advisor or tax professional.
Ready When You Are
Run Your Numbers Before You Decide
Every tool on Retire Calculators is free, private, and built to answer one question clearly. Start with the calculator closest to your next decision.