10 specialized calculators for nest egg, 401(k) vs IRA, FIRE, Social Security, Roth conversion, RMD, early withdrawal, 72(t) SEPP, and pension analysis. All calculations run locally in your browser — no signup, no data collection.
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Most retirement calculators only handle one scenario. Our suite covers the full lifecycle: accumulation (nest egg, 401k vs IRA, FIRE), decumulation (RMD, Social Security, pension), and edge cases (early withdrawal, Roth conversion, 72t SEPP).
Single-point estimates are misleading. Our Nest Egg and FIRE calculators run 500+ Monte Carlo iterations to show your probability of success across thousands of market conditions — not just one optimistic guess.
Most calculators ignore healthcare. We estimate Medicare Part B premiums with IRMAA surcharges, pre-Medicare private insurance costs, and lifetime healthcare spending based on Fidelity's research.
State taxes can make or break your retirement budget. Our 50-state tax guide shows exactly how each state taxes 401(k) withdrawals, IRA distributions, pensions, and Social Security benefits — so you pick the right place to retire.
All IRS contribution limits, tax brackets, Social Security bend points, RMD factors, and Medicare IRMAA thresholds reflect the latest 2026 figures. No outdated data from previous tax years.
Every figure below reflects the official 2026 IRS, Social Security Administration (SSA), and Medicare parameters — the exact numbers our calculators use. Always confirm against the linked primary source before acting.
Sources: IRS.gov (Pub. 590-A/590-B), SSA.gov, Medicare.gov. Figures are planning illustrations, not advice.
Retirement is not a single decision — it is a sequence of coordinated moves. With 2026 contribution limits at record highs and Secure 2.0 RMD rules now fully in effect, this is a good year to tighten your plan. Work through these seven steps, using the matching calculator at each stage.
Start from expected spending, not a vague round number. The Nest Egg Planner projects your portfolio using your current age, savings rate, and expected return — then runs a 500-scenario Monte Carlo simulation so you see your real probability of success, not just one optimistic guess.
For 2026 you can put up to $23,500 into a 401(k) and $7,000 into an IRA, with catch-up contributions if you are 50 or older. The 401(k) vs IRA calculator shows which account type and Roth-vs-traditional mix minimizes your lifetime tax bill.
Full retirement age is 67 for anyone born in 1960 or later, and benefits grow roughly 8% for each year you delay from full retirement age to 70. The Social Security Estimator models your benefit at every age and finds your personal break-even point.
Under Secure 2.0, RMDs begin at 73 — or 75 if you were born in 1960 or later. The IRS then forces withdrawals from traditional accounts. The RMD Calculator tells you the exact amount, and the Roth Conversion tool helps you shrink future RMDs tax-efficiently.
Converting traditional IRA funds to Roth in low-income years — often early retirement or just before RMDs start — locks in today's tax rate and creates tax-free income later. Model the trade-off with the Roth Conversion Calculator.
Healthcare is the most underestimated retirement cost. Our healthcare estimator builds in Medicare Part B premiums (the $185/month base plus IRMAA surcharges for higher earners) and pre-Medicare private insurance. Fidelity estimates a 65-year-old couple needs about $315,000 (2024 figure) for lifetime medical costs — plan for it explicitly within the Nest Egg Planner.
If you want to retire before 59½, learn the 10% early-withdrawal penalty and its exemptions, plus the 72(t) SEPP rule that permits substantially equal periodic payments penalty-free. The Early Withdrawal and 72(t) SEPP calculators show what is allowed.
The Bottom Line
Run the matching calculator at each step, revisit your plan every year, and treat every figure here as a planning illustration — not personalized advice. When the numbers get complex, a fee-only fiduciary advisor earns their fee.
Original, research-backed guides from our editorial team — each connects to the calculators and official sources you need.
Compare how your state taxes retirement income. Click your state to see detailed 2026 tax rules.
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