FREE TOOLS
Retirement Calculators That Do the Real Math
Five professional-grade tools. No sign-up, no paywall. Just the same calculations your advisor runs.
Retirement Readiness
Know your probability of success
Enter your portfolio, income, and expenses — get a readiness score based on Monte Carlo simulation. See where you stand across hundreds of possible market scenarios.
Monte Carlo simulation · Inflation-adjusted projections · Expected legacy estimate
Try Retirement Readiness →Compound Growth
See what time and consistency can build
Model one-time investments, recurring contributions, and different growth rates. Compare multiple scenarios side by side to understand the power of compounding.
Scenario comparison · Contribution scheduling · Growth visualization
Try Compound Growth →Social Security
Find your optimal claiming age
Compare claiming at ages 62 through 70. See monthly benefits, lifetime totals, and break-even points to find the strategy that puts the most money in your pocket.
Ages 62–70 comparison · Lifetime payout projections · Break-even analysis
Try Social Security Optimizer →Roth Conversion
Analyze the tax impact before you convert
Model converting Traditional IRA funds to Roth. See the tax bill today versus the long-term tax savings, with real 2025 federal bracket calculations.
Real 2025 tax brackets · Multi-year projection · Tax impact visualization
Try Roth Conversion →Portfolio Builder
Build and compare asset allocations
Explore popular portfolio strategies — from the classic 60/40 to Boglehead three-fund. Compare historical performance, risk metrics, and expected returns.
Pre-built portfolios · Risk-return analysis · Historical backtesting
Try Portfolio Builder →Ready for the full picture?
The Retirement Planner combines all five calculators into one comprehensive analysis.