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Calculators
Free tools for your retirement money, built on the IRS and Social Security's own rules.
2026 RMD
$18,867.92
Example: Born in 1953 with $500,000 in an IRA.
RMD calculator
What you must take out of your IRA or 401(k) this year, and what it does to your taxes and Medicare premiums.
Open the calculatorMonthly check at 62
$1,904
Example: Born June 1965, $2,720 a month at full retirement age.
Social Security calculator
Your check at every age from 62 to 70, when waiting pays off, and the projected cut if Congress does nothing.
Open the calculatorMoney lasted in
62 of 69 historical 30-year periods
Example: $500,000, spending $20,000 a year, 60% in stocks.
Will my money last
Your savings and spending, run through every stretch of real market history since 1928.
Open the calculatorWhat they keep
$22,050
Example: $30,000 out of a 401(k) at 45, with a $50,000 salary.
401(k) withdrawal calculator
What a withdrawal really costs before 59 and a half, and the routes that avoid the 10% penalty.
Open the calculatorFederal tax on the conversion
about $7,743
Example: Converting $50,000 of a $900,000 IRA, $40,000 other income.
Roth conversion calculator
The tax on converting now, next to the required withdrawals and Medicare surcharges it could save later.
Open the calculatorYearly return to life expectancy
3.2%
Example: A $100,000 quote paying $550 a month, woman aged 65.
Annuity calculator
Check a quote you were given: the return it really implies, and what it costs to get out early.
Open the calculatorLife expectancy: to about age
82.3
Example: A man aged 62 today.
Life expectancy calculator
How long your savings may need to cover, from Social Security's own life tables.
Open the calculatorMelt value
$347.23
Example: 40 silver quarters from 1964 or earlier, silver at $48 an ounce.
Coin melt value calculator
What your coins are worth in metal alone, at the spot prices you enter.
Open the calculatorExamples are worked out by each calculator with the rules in force today. Every calculator runs in your browser: what you type is not sent to us or stored. General information, not personal tax or investment advice.
The Fine Print
Plain-English notes on your 401(k), IRA and Social Security.
