Retirement Planning Toolkit

Plan the years that matter most.

A practical set of calculators to help you map out savings, income, and timing — built on guidance from Investor.gov and the Social Security Administration.

Compound Growth Calculator

See how your retirement savings can grow over time when interest compounds. Try a conservative return (4%) and a moderate one (6–7%) to compare.

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$
%
yrs
Projected Balance
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Total Contributed
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Interest Earned
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Growth Multiple
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Why this matters: Small differences in your return rate make a huge difference over 20–30 years. That's the power of compounding — and why starting earlier always beats waiting.

Savings Goal Calculator

Work backwards from your target nest egg to find out how much you need to save each month. A common rule: aim for 25× your desired annual retirement spending.

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$
yrs
%
Monthly Contribution Needed
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Annual Savings
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From Your Pocket
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From Compounding
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Quick tip: If the monthly number feels out of reach, try one of three levers — save longer, accept a slightly more aggressive return, or revisit your target. Even a 2-year extension makes a meaningful dent.

Social Security Claiming Age

Your claiming age dramatically changes your lifetime benefit. Start at 62 and your check is reduced for life; wait until 70 and you get a permanent boost. This estimator shows the trade-off based on your Full Retirement Age (FRA) benefit.

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Your Full Retirement Age
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Get your real numbers: Sign in to your my Social Security account at SSA.gov to see your personalized benefit estimates based on your actual earnings history.

Required Minimum Distribution (RMD)

Once you reach age 73, the IRS requires you to start withdrawing from most tax-deferred accounts (Traditional IRA, 401(k), etc.). This estimates your required withdrawal so you can plan around the tax hit.

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This Year's Required Withdrawal
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IRS Life Expectancy Factor
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Monthly Equivalent
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% of Balance
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Heads up: RMDs are taxed as ordinary income. Missing the deadline can trigger a steep penalty (up to 25% of the missed amount). Roth IRAs are not subject to RMDs during the original owner's lifetime.

Life Expectancy Estimator

How long should you plan for? Most people underestimate this — and running out of money is a bigger risk than dying with a balance. Use a longer horizon to be safe.

Average Life Expectancy
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Years Remaining (avg)
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Plan-To Age (conservative)
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Years to Fund (conservative)
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Planning principle: Use the conservative number when modeling withdrawals. Roughly 1 in 4 people aged 65 today will live past 90 — building in a buffer protects your future self.

Working While Claiming (Earnings Test)

If you claim Social Security before your Full Retirement Age and keep working, part of your benefit may be withheld. This shows the estimated reduction based on 2025 limits.

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$
Annual Benefit After Earnings Test
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Earnings Above Limit
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Benefits Withheld
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Months Affected
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Good news: Withheld benefits aren't gone forever. Once you reach Full Retirement Age, SSA recalculates and increases your monthly benefit to credit back the amounts withheld.