Free retirement calculators20 tools

Free retirement calculators for your money, health, and life after work

Explore personalized estimates for your 401(k), Social Security, Medicare and care costs, RMDs, inherited IRAs, and more. Adjust your assumptions, compare scenarios, and see what works for you.

Retirement is about more than investments. Retirelens helps you think about the bigger picture—from your finances and health to longevity, relationships, and the legacy you want to leave behind.

These are planning estimates only. Not tax, legal, insurance, or investment advice. Rules change—check with the IRS, Social Security, your plan provider, or a professional you trust.

Most popular — money & taxes

401(k), how long savings last, withdrawals, income, Social Security, required withdrawals (RMDs), IRAs, health costs, and monthly saving.

401(k)

401(k) retirement calculator (future value & match)

Project your 401(k) balance using contributions, employer match, salary growth, and returns. See future value and after-tax estimates (planning).

Estimate my 401(k)
Savings

Retirement savings longevity calculator (how long will it last)

Estimate how many years your savings could last based on spending, income, return, and inflation. Free drawdown projection (not a guarantee).

See how long it lasts
Spending

Safe withdrawal rate calculator (sustainable spending)

Test a withdrawal rate against return, inflation, and time horizon. Compare to 4% and explore sustainable spending levels with simple scenarios.

Check withdrawals
Income

Retirement income calculator (portfolio + Social Security)

Estimate retirement income from withdrawals, Social Security, pension, and other sources. See yearly cash flow and balances over time (planning tool).

Add up income
Social Security

Social Security claiming age calculator (62 vs 67 vs 70)

Compare Social Security claiming ages (62–70) using lifetime benefits and discounted value. Add taxes/other income for scenarios (verify with SSA).

Compare ages
RMD

RMD calculator (required minimum distributions by age)

Estimate required minimum distributions by age using balance and IRS-style factors. See year-by-year RMDs and charts (confirm with current IRS rules).

Calculate RMDs
IRA

Traditional IRA vs Roth IRA calculator (which is better?)

Compare Traditional vs Roth IRA outcomes with taxes, growth, and retirement income estimates. Explore which option may fit your scenario (not tax advice).

Compare IRAs
Roth

Roth conversion calculator (should you convert your IRA?)

Model a Roth conversion vs waiting. Adjust tax rates, payment source, and time horizon to compare outcomes. What-if tool for planning.

Compare options
Inherited IRA

How much tax on an inherited IRA?

Estimate federal tax on an inherited IRA under the 10-year payout rule, with a year-by-year withdrawal schedule.

Estimate tax
Healthcare

Healthcare costs in retirement

Estimate Medicare, supplement, and out-of-pocket costs, plus long-term care planning, through your planning horizon.

Estimate health costs
Saving

How much should I save each month?

Find how much to save each month to hit a dollar goal by the date you pick.

Find monthly amount

Health & life after work

Health and care, longevity, purpose, relationships, daily life, and the legacy you leave behind.

Long-term care

Monthly savings goal calculator (how much to save per month)

Calculate how much to save each month to hit a goal by a target date. Adjust inflation, returns, and yearly step-ups. Free, in-browser tool.

Plan for care
Longevity

How long am I likely to live?

See a range for how long you might live and whether your plan age is long enough.

See life range
Lifestyle

Retirement lifestyle cost

Turn how you want to live — travel, home, food, pace — into a yearly budget you can compare to income.

Estimate lifestyle
Purpose

Retirement purpose score

See how ready you are for meaning, routine, and identity after work — not just the paycheck.

Get my score
Social

Social connection score

Check friends, family, and community ties — and loneliness risk when work no longer fills your week.

Check connections
Legacy

How much can I leave my family?

See what you might leave heirs after spending, gifts, and giving — and tradeoffs between living well now vs later.

Plan what I leave

Savings & Your Home

Explore saving, investing, loan payments, and reverse mortgage estimates.

Investing

Monthly investment growth

See how regular monthly investing might grow if you increase contributions each year.

See growth
Loans

Loan payment schedule

See how much goes to principal vs interest each month, total interest, and extra payments.

See loan schedule
Home

Reverse mortgage calculator (estimate proceeds & equity)

Estimate potential reverse mortgage proceeds from age, home value, rates, and payoffs. View balance vs home value over time (educational only).

Estimate cash