42 free calculators, updated for 2026
Retirement decisions, worked out in your own numbers
Free calculators and plain-English guides for people near or in retirement: 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. Understand your numbers, check the math, and go into meetings with your CPA or adviser prepared.
- 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
- 1List your key datesFull retirement age, Medicare and RMDs by birth date
- 2Time your Social SecurityBreak-even between claiming ages
- 3Test your spending rateHow long the portfolio lasts
- 4Bridge to MedicareInsurance costs if you stop before 65
- 5Consider an annuityGuaranteed income from part of your savings
- 6Can you retire at 60?A worked case study, step by step
The steps
Every calculator, by decision
All 42 calculators, grouped by the question they answer. Most come with an Excel template.
- Retirement Age CalculatorEvery key date from your birth date, from 59½ to your first RMD
- 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- IRR & XIRR CalculatorYour true return, with money added and withdrawn over time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 CPA, adviser, 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 a free 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 Decisions Are Hard to Check
Most families near or in retirement work with a CPA, planner or attorney. The hard part is following the numbers well enough to ask good questions and weigh the answers.
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.
Knowing What You Pay
A 1% advisory fee on a $2 million portfolio is $20,000 a year. That can be good value; so can an hourly CPA or a flat-fee review. Either way, know what you pay and what you get for it. How to choose a financial adviser.
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.
Understand Your Numbers Before the Meeting
Free calculators that show the tradeoffs, and guides that explain the rules behind them, so you can check the math and go into meetings with your CPA or adviser prepared. No commissions, and no account needed. A free newsletter tells you when something new is worth reading.
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.
- See every key date by birth year in the retirement age calculator.
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.
A Free Newsletter
- New guides and calculators as they are published.
- The year’s numbers when they change: IRS limits, Medicare premiums, the Social Security adjustment.
- Get the free newsletter. Unsubscribe anytime.
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.
A Free Letter for People Near or in Retirement
Rob May and Vik Chadha, who founded My Finance Platform, write an email letter for readers who want to understand their numbers and check the advice they get. It is free, and you can unsubscribe at any time. The 2026 retirement numbers page shows the kind of figures it keeps up to date.
New guides and calculators
As they are published, with a short note on the question each one answers.
The year’s numbers
IRS limits and brackets, Medicare premiums and IRMAA brackets, the Social Security adjustment, when they change.
Worked examples
One household’s figures run through a decision, such as a Roth conversion or a claiming age, step by step.
Three Steps, No Account Needed
Every calculator and guide 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 the Numbers
Change any assumption and see the result at once. Most calculators also offer an Excel template you can keep or send to your CPA.
Read the Reasoning
Each calculator explains the rules behind its numbers, so you know which questions to ask your CPA or adviser and can weigh the answers.
Built for People Who Read the Fine Print
We show our work, keep the figures current, and earn nothing from the choices you make. Who we are.
No Commissions
We don't sell investments or insurance, so nothing here depends on the choices you make.
Learn more →Current Figures
IRS limits, tax brackets, Medicare premiums and Social Security figures for 2026, with the source for each.
See the 2026 numbers →The Math, Shown
Each calculator shows its assumptions and explains the rules behind the result, so you can check the math.
Browse the calculators →Your Data Stays Yours
Calculator figures are worked out in your browser and are not saved to an account. We do not sell or rent your email address.
Learn more →Keep Your Numbers in a Spreadsheet
Most calculators come with a free Excel template you can keep, change and send to your CPA.
Retirement Withdrawals
Test a withdrawal rate year by year, with the inflation and returns you set.
View Template →Estate Planning Worksheet
Accounts, beneficiaries and documents in one place for your executor.
View Template →The Free Template Collection
Every Excel template on the site in one list, from retirement income to estate planning. They are free; downloading one subscribes you to the newsletter, and you can unsubscribe anytime.
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 subscribe to the newsletter, download an Excel template (which subscribes you to the newsletter) 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 adviser?
No. We publish educational tools and guides. We are not a registered investment adviser, and nothing here is advice for your specific situation. Most of our readers work with a CPA, planner or attorney; the tools are meant to help you understand the numbers, check the math and go into those conversations knowing which questions to ask. For decisions that are hard to reverse, such as claiming Social Security or converting to a Roth IRA, it is worth reviewing your figures with a professional. Read our disclaimer.
How do you make money if the tools are free?
The calculators, guides, newsletter and most of the Excel templates are free today. A paid edition of the newsletter may follow later. We don't sell investments or insurance and don't take commissions, so nothing on the site depends on the choices you make. Read about who we are.
What is in the newsletter?
It is a free email letter from Rob May and Vik Chadha, the founders, for people near or in retirement: new guides and calculators, the year's numbers when they change (IRS limits, Medicare premiums, the Social Security adjustment), and worked examples. You can unsubscribe at any time by replying to any email. Get the free newsletter.
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.
A free email letter from Rob May and Vik Chadha for people near or in retirement: new guides and calculators, the year’s numbers when they change, and worked examples. Unsubscribe anytime.
The Year's Numbers
IRS limits, Medicare premiums and the Social Security adjustment when they change
New Guides
New guides and calculators as they are published
Worked Examples
One household's figures run through a decision, step by step