Retirement and Financial Calculators

Yes. Every calculator, worksheet and checklist on this page is free to use with no account. Most also come with a free Excel workbook built on the same defaults; downloading one asks for an email address.

They use the official 2026 figures from the IRS, the Social Security Administration and Medicare, and each page explains its formula, its assumptions and what it leaves out under "How this calculator works". The results are still estimates built on the numbers you enter and on steady-return assumptions, not a tax return or an SSA benefit statement. Treat them as a way to understand a decision and to prepare questions for your CPA or adviser, not as individual advice.

Once a year, in the fall, when the IRS publishes the next year's brackets and contribution limits, the SSA announces the cost-of-living adjustment and wage base, and CMS sets Medicare premiums and IRMAA tiers. Each calculator page shows the date its method was last reviewed and the tax year its figures come from.

No. The calculations run in your browser and your inputs are not sent to our servers. The only things that reach us are an email address when you ask for a workbook or your results, and, if you choose to send it, the score summary from the financial health check.

It copies a link that reopens the calculator with the numbers you entered, so you can send the scenario to a spouse, CPA or adviser. The numbers travel in the part of the link after the # sign, which browsers never send to a website's server, so we never see them. Anyone you give the link to can see them, though, so share it the way you would share the figures themselves.

If retirement is a few years away, start with the Can I Retire Now? calculator and the Social Security estimator. If you are already drawing income, start with the withdrawal calculator and the RMD calculator. The questions near the top of this page point to the three calculators that answer each common decision.