Retirement Calculators

Contribution, drawdown, and projection tools for long-horizon planning.

• IRMAA Medicare Surcharge CalculatorCalculate your Medicare Part B and Part D premiums based on income (IRMAA) for higher earners.
• Backdoor Roth Pro-Rata CalculatorCalculate how the IRS pro-rata rule taxes your backdoor Roth IRA conversion when you have existing pre-tax IRA funds. Find the taxable portion and tax owed.
• 401(k) Contribution OptimizerCalculate how much to contribute to your 401(k), model the tax savings and take-home pay impact, and project your retirement balance at any contribution level.
• Pension Lump Sum vs. Annuity CalculatorCompare taking your pension as a lump sum (invested) vs. monthly annuity payments. Find the break-even age, implicit IRR, and year-by-year projection.
• Required Minimum Distribution (RMD) CalculatorEstimate your annual required minimum distribution from a traditional IRA or 401(k), including projected RMDs for the next 20 years and estimated tax owed.
• Retirement Withdrawal Sustainability CalculatorSimulate year-by-year portfolio drawdown to find out how long your savings will last given your withdrawal rate, investment return, and inflation assumptions.
• Roth Conversion Tax Cost CalculatorFind out the immediate tax cost of a Roth IRA conversion, the break-even year, and the long-term net benefit versus leaving money in a traditional IRA.
• Roth vs. Traditional IRA ComparisonCompare Roth and Traditional IRA after-tax wealth at retirement. See which wins based on your current and expected future tax rates.
• Social Security Claiming Age CalculatorFind your Social Security break-even age. Compare lifetime benefits from claiming at 62, your full retirement age, or 70 — and see the cumulative impact of each choice.