Retirement planning tools
Free calculators built on the same math that powers the RetireLab dashboard.
Run a 1,000-path Monte Carlo simulation on your savings, contributions, and target retirement age — see lean, base, and fat spending success rates. Educational, not advice.
Enter your income and annual savings to see your savings rate and how it maps to FIRE timelines.
See how much you can convert to a Roth IRA while staying in your current tax bracket — side-by-side 2025 and 2026 federal brackets with IRMAA warnings.
Find your needed portfolio size, safe withdrawal rate, or required part-time income — tax-aware with blended Roth/trad/taxable accounts, SS torpedo detection, and IRMAA warnings.
Compare Bengen 1994 (historical 50/50), Bengen Expanded (80/20), Morningstar Monte Carlo (60/40), and ERN CAPE-conditioned safe withdrawal rates side by side.
See how three example allocation models — conservative, balanced, and aggressive — change Monte Carlo portfolio survival under your inputs. Educational models, not recommendations.
Find your Medicare IRMAA tier today and two years out, then see one modeled Roth-timing, drawdown-order, and allocation alternative and how it changes your lifetime taxes and surcharges.
Need a full retirement simulation? Run the full Monte Carlo simulator free →
Sign in to save plans and model Social Security & pensions →
Retirement calculator FAQ
- Are RetireLab's retirement calculators free?
- Yes. Every calculator runs the same Monte Carlo engine and is free to use with no account required. A Pro tier adds optional advanced views such as downside fan charts and saved plans.
- What retirement calculators does RetireLab offer?
- RetireLab includes a FIRE calculator, a savings-rate calculator, a Roth-conversion planner, a withdrawal planner, a safe-withdrawal-rate methodology comparison, an asset-allocation comparison, and a year-by-year retirement projection — all built on the same simulation engine.
- What math powers RetireLab's tools?
- All tools share one engine: a Monte Carlo simulation sampled with a stationary block bootstrap over 156 years of Shiller market data, validated against Wade Pfau's published safe-withdrawal research. The tax tools use current-year federal brackets and IRMAA thresholds.
- Do the tools give personalized financial advice?
- No. RetireLab is an educational tool under DOL Interpretive Bulletin 96-1, Category 4 — it shows how the math works for the inputs you provide and avoids directive recommendations. Consider a qualified financial professional for advice specific to your circumstances.