41 free calculators, updated for 2026
Retirement decisions, worked out in your own numbers
Free calculators and plain-English guides for people who manage their own money: when to claim Social Security, how much you can safely spend, what your required distributions will be, and how to keep more of it from taxes.
- Free, with no sign-up
- 2026 tax and IRS limits
- No commissions
Where are you in retirement?
Each path strings together the calculators and guides for one stage, in the order the decisions come up
The steps
Every calculator, by decision
All 41 calculators, grouped by the question they answer. Most come with an Excel template.
- Social Security EstimatorCompare claiming at 62, full retirement age and 70
- Retirement Withdrawal CalculatorTest how long your portfolio lasts at your spending rate
- RMD CalculatorYour required minimum distributions under SECURE 2.0
- Retirement CalculatorCheck whether your savings cover the income you want
- Annuity Payout CalculatorTurn a lump sum into a monthly income and see how long it lasts
- 401(k) CalculatorProject your balance, including catch-up contributions after 50
- Roth IRA CalculatorCheck eligibility and project tax-free growth
- Can I Retire Now? CalculatorWhether your savings already cover your spending
- Asset Allocation WorksheetCheck your mix against your targets
- Investment Portfolio TrackerTrack holdings, gains and allocation
- IRR & XIRR CalculatorYour true return, with money added and withdrawn over time
- ROI & CAGR CalculatorTotal and annualized return on an investment
- Compound Interest CalculatorHow savings and returns grow over time
- Future Value & Present Value CalculatorWhat a sum grows to, or is worth today
- Inflation CalculatorWhat your dollars buy over the years
- Late-Career Savings Rate CalculatorWhat saving more before you retire, with catch-ups, changes
- Estate Planning WorksheetCheck your documents, beneficiaries and estate tax exposure
- Net Worth CalculatorEverything you own, minus everything you owe
- Personal Financial StatementA one-page statement for your advisor, attorney or heirs
- 529 College Savings CalculatorPlan contributions for a grandchild’s education
- Mortgage Payoff CalculatorPay it off early or invest the difference
- Mortgage Refinance CalculatorBreak-even on refinancing, given how long you stay
- Loan & Mortgage CalculatorPayments and amortization for any loan
- Cost of Living CalculatorCompare what the same lifestyle costs in another city
- Rental Property ROICash flow and return on a rental property
- Debt Payoff CalculatorOrder and timing for paying off several debts
- Auto Loan CalculatorPayments and total cost by loan term
- Financial Health CheckA quick score across savings, debt, insurance and planning
- Financial Plan TemplateWrite your plan down in one place
- Personal Budget PlannerMonthly income and spending, line by line
- 50/30/20 Budget CalculatorSplit income into needs, wants and savings
- Google Sheets Budget TemplateA budget you can copy into Google Sheets
- Savings Goal CalculatorMonthly amount or time needed to reach a goal
- Savings Goal TrackerSaving toward a roof, a car, a trip or a gift
- Retirement Side Income TrackerConsulting or part-time income, taxes and the earnings test
- Human Capital CalculatorThe present value of the working years still ahead
Most-used in retirement
The calculators readers near or in retirement open most
Prefer a spreadsheet?
Most calculators have an Excel template, so you can keep your own copy, change the assumptions and work offline.
Browse the templatesNot sure where to start?
Answer one question and we will point you to the path that fits where you are.
Why Retirement Advice So Often Falls Short
Much of it is built around products and fees rather than the decisions in front of you. See how we compare to traditional advisors.
Rules of Thumb
The 4% rule, “110 minus your age” and “always wait until 70” are starting points, not answers. Your pension, tax bracket, health and heirs all change the right number.
Fees That Compound
A 1% advisory fee on a $2 million portfolio is $20,000 a year, every year, whether or not the advice changes. See what fees cost over a retirement.
Decisions That Interact
Social Security timing, Roth conversions, required distributions and Medicare premiums all meet on one tax return. Looking at them one at a time misses how each moves the others.
Run the Numbers Yourself, With Better Tools
Free calculators that show the tradeoffs, and guides that explain the rules behind them. No commissions, and nothing to sign up for. We are also building a planning platform that brings it all together. See what we are building.
See the Tradeoffs
- Compare claiming Social Security at 62, at full retirement age and at 70.
- Test a withdrawal rate against good and bad market sequences.
- Put your goals side by side in the goal planner we are building. Learn more.
Plain-English Guides
- The rules without the jargon: RMDs, Roth versus traditional accounts, estate basics.
- Worked examples with real numbers, such as whether a couple can retire at 60.
- Browse the financial guides.
Your Whole Picture, Soon
- The planning platform will bring your accounts into one view.
- Account connections will be encrypted. How we handle security.
- Join the waitlist to be among the first in.
Numbers You Can Check
- Most calculators come with an Excel template you can open and change.
- Updated for 2026 contribution limits, tax brackets and SECURE 2.0 RMD ages.
- Start with the RMD calculator.
One Plan for the Years Ahead
Retirement is a string of connected decisions: when to stop working, when to claim, which account to draw from, what to leave. The goal planner we are building puts them on one timeline, so you can see how changing one moves the rest. Until it launches, the retirement calculator covers the core question.
Insights, Not Generic Advice
Once your accounts are connected, the platform will point out what needs attention, with no product to sell you. Read about how AI can help with investment decisions.
It will watch
- Your cash reserve
- Spending against your plan
- Drift from your target allocation
It will suggest
- Where idle cash could earn more
- Tax-efficient moves
- When to rebalance
Three Steps, No Account Needed
Everything on the site today is free and works without signing up.
Pick Your Decision
Choose a path for where you are in retirement, or go straight to the calculator you need.
Run Your Own Numbers
Change any assumption and see the result at once. Most calculators also offer an Excel template to keep.
Read the Reasoning
Each calculator explains the rules behind its numbers, with guides for the bigger questions.
Built for People Who Read the Fine Print
We show our work, keep the figures current, and earn nothing from the choices you make. See how it works.
No Commissions
We don't sell investments or insurance, so nothing here depends on the choices you make.
Learn more →One View, Soon
The planning platform will bring every account into one dashboard.
Preview the dashboard →Decisions in Context
The goal planner will show how a choice today changes your income, taxes and what you leave.
See the goal planner →Your Data Stays Yours
Calculator figures are worked out in your browser. Platform data will be encrypted in transit and at rest.
Learn more →Keep Your Budget in a Spreadsheet
Track spending, savings goals and debts in files you own and can change, with no platform required.
Get the Complete Suite
All 4 professional templates plus setup guides and real-world examples. One-time purchase, lifetime access.
Frequently Asked Questions
Have more questions? Visit our full FAQ page or contact us.
Do I need to sign up to use the calculators?
No. Every calculator and guide is free and works without an account. We ask for an email address only if you download an Excel template or ask for results by email. Browse all calculators.
Are the figures up to date?
Yes. The calculators use the 2026 IRS contribution limits, tax brackets and standard deductions, including the additional deductions for people 65 and older, and the SECURE 2.0 ages for required minimum distributions. See the 2026 tax brackets.
Is My Finance Platform a financial advisor?
No. We publish educational tools and guides. We are not a registered investment adviser, and nothing here is advice for your specific situation. For decisions that are hard to reverse, such as claiming Social Security or converting to a Roth IRA, consider checking your numbers with a fee-only professional. Read our disclaimer.
How do you make money if the tools are free?
We sell a set of spreadsheet templates, and the planning platform we are building will be a paid subscription. We don't sell investments or insurance and don't take commissions, so nothing on the site depends on the choices you make. See planned pricing.
What is the planning platform, and when is it available?
It is in development. It will connect your accounts into one view and help you plan withdrawals, taxes and goals together. Join the waitlist to hear first and lock in founding-member pricing. See what we are building.
What happens to the numbers I enter?
The calculators work out your results in your browser; the figures you type aren't saved to an account. We only receive what you choose to send, such as your email address when you download a template. How we handle your data.
Know your numbers.
Keep what you have built.
Join the waitlist for early access to the planning platform we are building for people who manage their own money, with founding-member pricing locked in.
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