Free Retirement Planning Tools
Interactive calculators and estimators to help you make informed decisions about your retirement. All tools are free, require no signup, and run entirely in your browser.
Retirement Savings Calculator
Project how your retirement savings will grow over time based on your current balance, monthly contributions, expected returns, and retirement timeline. See year-by-year projections and understand if you're on track to meet your retirement goals.
Use This Tool →Social Security Benefits Estimator
Estimate your monthly Social Security benefits based on your earnings history and claiming age. Compare how different claiming strategies affect your lifetime benefits and find the optimal time to start receiving payments.
Use This Tool →Retirement Income Gap Calculator
Discover the gap between your expected retirement income and your spending needs. Factor in Social Security, pensions, investment income, and desired lifestyle to see if you'll have enough — and what adjustments to make if not.
Use This Tool →Healthcare Cost Estimator
Plan for one of retirement's biggest expenses. Estimate your healthcare costs including Medicare premiums, supplemental insurance, prescription drugs, and out-of-pocket expenses throughout your retirement years.
Use This Tool →Tax Bracket Estimator
Understand how your retirement income from various sources — Social Security, 401(k) withdrawals, pensions, and investments — will be taxed. Plan your withdrawal strategy to minimize your tax burden in retirement.
Use This Tool →State Tax Friendliness Ranking
Compare all 50 states on how they tax retirement income including Social Security, pensions, and retirement account withdrawals. Find the most tax-friendly states for your retirement relocation plans.
Use This Tool →Retirement Readiness Quiz
Take a quick assessment to gauge how prepared you are for retirement. Answer questions about savings, debt, insurance, estate planning, and lifestyle expectations to get a personalized readiness score and action items.
Use This Tool →Medicare Plan Comparison
Compare Original Medicare, Medicare Advantage, Medigap, and Part D plans side by side. Understand coverage differences, costs, and which combination works best for your healthcare needs and budget.
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