44 free calculators, updated for 2026
Financial Planning Hub: every calculator, by stage
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 44 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- IRR & XIRR CalculatorYour true return, with money added and withdrawn over time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.