Free retirement calculator — no signup required

Will your money last
through retirement?

Find out in minutes with our free calculator. Just enter your savings, income, and Social Security — and see exactly where you stand for retirement.

Try Free CalculatorSee Plans

No credit card required. Works in your browser.

2 min
Average time to first projection
7+
Account types supported
1,000+
Monte Carlo simulations per run

How it works

Three steps to clarity about your retirement.

1

Enter your info

Age, salary, savings, and Social Security. Takes about 2 minutes.

2

See your results

Charts show how your money grows, when you can retire, and whether your savings will last.

3

Try different scenarios

What if you retire at 62 instead of 65? Save more? Add a spouse? See the impact instantly.

Everything you need to retire with confidence

Real answers about your retirement — not just guesses on a napkin.

📊

See Your Future, Year by Year

Get a clear picture of your savings, income, and spending from now through retirement — no guesswork.

👫

Plan Together with Your Spouse

Retiring as a couple? See how your combined savings, Social Security, and different retirement ages work together.

🎲

What If the Market Drops?

We test 1,000+ good-and-bad market scenarios so you can see how likely your money is to last — not just the best case.

🏦

All Your Accounts in One Place

Add your 401(k), IRA, Roth, savings, and other accounts. We handle the tax differences automatically.

💰

Keep More of Your Money

We figure out the smartest order to pull from your accounts so you pay less in taxes over your lifetime.

📈

Got Extra Income Coming?

Add an inheritance, home sale, rental income, or part-time work to see how it changes your retirement picture.

Free
$0
Forever free
Try Calculator
POPULAR
Pro
$16.42/mo
$197 billed annually
Get Started
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Frequently asked questions

Is the free calculator really free?

Yes. The basic calculator with 1 plan and 3 accounts is completely free, forever. No credit card required.

How accurate are the projections?

We account for taxes, inflation, and Social Security — so your numbers are realistic, not just rough estimates. It's built for planning, not tax advice, but it's more thorough than most free tools.

What does Pro add?

Unlimited plans, spouse planning, "what if the market drops" stress tests, detailed expense tracking, extra income sources, and the ability to export your data.

Can I cancel anytime?

Yes. Cancel from your dashboard at any time. You keep Pro access through the end of your billing period.

Ready to see if your money will last?

Try the free calculator now. No account needed, no credit card, results in minutes.

Try Free Calculator