Retirement calculators are online tools or software programs that help you plan for retirement by estimating how much money you will need to save in order to achieve your retirement goals. These calculators typically ask for information such as your current age, retirement age, current income, savings, and expenses, and use this information to calculate how much you will need to save each month in order to reach your retirement goals.
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Take The Assessment: SoundRetirementScore.com In today's podcast, I want to share a brand-new tool we've created to help you evaluate whether you're on track for retirement. Many people think retireme...
This tax calculator is purpose-made for retirees. It covers everything relevant to retirees for 2026. It will be updated to include 2027 tax year shortly. Learn the Nuts and Bolts I put everything I u...
Delaying can increase your benefit, but whether that's worthwhile in the long run depends on other factors.
I retired last spring at 62. My wife had already stepped back from her job the year before. We had saved, we had a plan, but the number that kept me awake was $1,280. That was the monthly quote for a ...
I ran the KFF calculator for a couple at $84,599 vs $84,601 across nine states. The two-dollar difference ....yikes. I wanted to know what it actually costs a pre-retiree couple to land on the wrong s...
Can anyone help me with this? I've got a pension, and it has an increase every year which is a fixed dollar amount and I can't find a calculator that supports this. So if my pension is $38,000 and my ...
Households often have assets they expect to use during retirement that are not level streams of income, as well as expenses that are not expected to recur every year. These items need special handling...
This week Roger explores the idea of "digging where your feet are" and how focusing on what you can do today can reduce anxiety about the future and regret about the past. In the Retirement Toolkit, h...
We have recently received inquiries as to how to use Copilot to implement the Actuarial Approach. Copilot can use different data sources to provide reasonable results, but we recommend that you provid...
Howdy gang! I've been reading up on retirement and planning to do so in the next couple months (age 65). I see the 4% rule quite a bit but it just doesn't seem to jive with my actual annual returns no...
Many retirees are surprised to learn that Medicare isn't always a fixed cost. If your income exceeds certain thresholds, Medicare can charge significantly higher premiums through a little-known rule c...
Everyone wants to invest in the next hot thing. Today, it's SpaceX. Tomorrow, it might be OpenAI or Anthropic. Twenty-five years ago, it was Pets.com. More recently, investors have chased the exciteme...
Most retirement advice isn't wrong. It's incomplete. And following incomplete advice for 30 years is how people end up financially ready for retirement but completely unprepared to live it. I've seen ...
Hi all, I looked at the wiki here, but there are so many resources and none of them looked like what I am looking for. I'm not looking for calculators or financial advice, I just want to know what I n...
We recently came across a Monte Carlo modelling tool called the Retirement Probability Simulator (RPS). It is a free tool available at DIYretiree.com that our readers may find useful in their financia...
Today on Your Money, Your Wealth podcast 562 (an encore of episode 513), Joe Anderson, CFP® and Big Al Clopine, CPA spitball for YMYW listeners in their 40s who are ready to call it quits at work, bec...
Financially speaking, should Old Bear in Northern Kentucky marry his Honey? How should Sebastian in Virginia navigate the financial aspects of his separation? Plus, Famous Missourians want to know, ho...
We recently asked ChatGPT two questions about using the Actuarial Approach and its Funded Status metric to evaluate a household’s retirement sustainability. ChatGPT had high praise for the Actuarial A...
I'm hanging out with my four-year-old grandson, he's on my lap talking away, but my mind was elsewhere. I was thinking about the future. I wasn't focused on him at all, but rather an important convers...
Jeremy Keil walks through three critical questions future retirees can answer before their paycheck stops Most people spend decades preparing for retirement by focusing on one number: How much have I ...
Meta’s May 2026 layoffs explained, including estimated severance timeline, WARN pay, PTO payout, COBRA coverage, RSU vesting, and a free Google Sheet severance calculator for impacted employees.
Roger Whitney explores one of the most overlooked variables in retirement planning: longevity, and how assuming you’ll live too long can quietly force you to save more, spend less, and potentially mis...
Jeremy Keil explains how 5 smart moves could impact your ability to claim $180,000 or more as a couple in Social Security. If you’re about to file for Social Security, there’s a real possibility you c...
Chris Orestis, founder & president of Retirement Genius, explains how to make more informed Social Security decisions. Social Security is one of the most important decisions in retirement. And yet, ma...
Hiro Finance is shut down. Discover the best Hiro alternative. Compare budgeting apps, other calculators, and a much more powerful AI tool. The post Hiro Finance Is Shutting Down: Here’s the Best Alte...
Roger Whitney explores why retirement planning software—especially Monte Carlo simulations—can give a false sense of confidence if misunderstood. He explains what these tools actually measure, the hid...
Whether AI can calculate taxes correctly depends on the complexity. An online tax calculator is faster and more accurate if you know which one to use. Learn the Nuts and Bolts I put everything I use t...
Roger Whitney shifts from financial planning to the non-financial pillar of relationships, sharing a live conversation with Harry Reis about how to feel more loved and connected in retirement. Togethe...
Your spouse wants to remodel your kitchen and several bathrooms in your house. You’ve received a quote for the work for about $100,000. Using a strategic withdrawal approach and a Monte Carlo modeling...
As the year comes to a close, Roger Whitney reflects on the power of words, walks through an important year-end tax planning reminder for retirees, shares listener stories and perspectives, and invite...
This post is follow-up to our post of December 22, 2024 and will again highlight the benefits of using the Actuaries Longevity Illustrator (ALI) to help you develop reasonable lifetime planning period...
? Show Notes In this episode, Roger Whitney dives into the essentials of required minimum distributions, explaining the age thresholds, how the amounts are calculated using IRS life expectancy tables,...
Explore 20 scenarios to try with the Boldin Retirement Planner. These will increase your planning know-how and build your financial confidence. The post 20+ Eye-Opening Scenarios to Try with a Compreh...
Two years into retirement, I'm realizing that control has limits. Even though I've planned carefully, I've saved faithfully and studied virtually every outcome with dozens of calculators, life is happ...
Let's focus on more retirement calculators to help with your planning needs. Plus, we come up with a ranking system to determine the best. The post A DIY Investor’s Guide to Retirement Calculato...
Most RSU holders know they will owe taxes, but few know exactly how much per share. Here is how to calculate the Tax Impact Per Share so you can sell smarter and stop letting “because of taxes&r...
Use this calculator to see the effect on your total deductions and your taxes from the SALT cap increase in the 2025 Trump tax law. Learn the Nuts and Bolts I put everything I use to manage my money i...
Do you know how to calculate your investment return accurately? Use XIRR. This demonstration shows you how and includes spreadsheets. The post How to Calculate Dollar-Weighted Return Formula in Excel ...
I'm retired but have not yet filed to collect SS benefits. I'd like to calculate the tradeoff, taking loss of investment income into account (due to cashing investments to fund retirement.) At 67+8mo ...
Estimating your longevity with a best life expectancy calculator is a great way to improve your retirement financial and lifestyle projections. Start now! The post The 10 Best Life Expectancy Calculat...
What happened to the i-orp.com calculator website? The link on the r/retirement Wiki page does not work. There are no recent snapshots of the i-orp.com site on archive.org Is it gone forever? Has it m...
How much would you need from the sale of your business to retire without sacrificing your lifestyle? This simple calculation will give you an idea....
This blog was largely built upon Darrow’s extensive analysis of retirement calculators. Five years ago, we entered our first affiliate partnership with one of his favorite high-fidelity retireme...
Has anyone used a calculator to estimate what their total tax burden will be in retirement by state? We are considering not staying where we currently live when we retire in a few years. Though we wil...
Many women have no idea what their net worth is, or even how to calculate it. Many also turn to social media finfluencers for advice. Here's what to do instead....
2025 has gotten off to a rough start with devastating fires and corrections in stocks, bonds, and other risk assets. So, I thought it’d be a good idea to shift focus to some positives—befo...
My wife and I (61 & 58) have several retirement accounts: Trad 401(k), Trad IRAs, Roth IRA, I-Bonds, and taxable brokerage. We will both have pretty good SS income as well. Planning to retire in 2...
I keep search I no and they say it is at AARP but cannot find it....
Like any good web-based application, an online retirement calculator should provide an intuitive and consistent user experience. Changes to the user interface should be made infrequently, and then onl...
I was recently invited to speak at the EconoMe conference about the process of creating more accurate retirement projections. In preparing for my talk, I reviewed Darrow’s extensive work on reti...