Know When You Can Quit

Free retirement calculators for smarter decisions

Project your retirement income, minimize lifetime taxes, calculate required minimum distributions, and optimize your Social Security strategy. All based on 2026 US tax law and IRS guidelines. No sign-up. No data sent anywhere.

Most Comprehensive

Retirement Projection

Model your complete retirement income from pre-tax, Roth, and taxable accounts through age 100. See year-by-year taxes, withdrawals, and balances.

  • Project all account types together
  • Automatic tax optimization
  • RMD calculations built-in
  • Interactive charts & tables
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Roth Conversion Optimizer

Find the annual conversion amount that minimizes your lifetime federal tax bill. Compare two conversion windows side by side with a live slider.

  • Minimize lifetime federal tax
  • Two conversion windows compared
  • Live slider with tax preview
  • Break-even age calculated
→ Most Popular

Tax Estimator

Calculate federal income tax on your retirement income including Social Security, 401(k) withdrawals, and investment distributions. Includes IRMAA estimates.

  • Social Security taxation
  • Medicare IRMAA surcharges
  • Visual tax breakdown
  • All filing statuses
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RMD Calculator

Calculate your Required Minimum Distributions from traditional IRAs and 401(k)s. Based on IRS Uniform Lifetime Table and SECURE 2.0 Act rules.

  • SECURE 2.0 compliant
  • Multi-year projections
  • Tax impact analysis
  • Spouse beneficiary option
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SS Breakeven Analysis

Decide when to claim Social Security by comparing lifetime benefits. See the breakeven age between claiming early, at FRA, or delayed.

  • Lifetime benefit comparison
  • Breakeven ages calculated
  • COLA adjustments
  • Interactive charts
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Survivor Benefits

Plan for spousal and survivor Social Security benefits. Compare claiming strategies for married couples and understand widow/widower benefits.

  • Spousal benefit estimates
  • Survivor benefit rules
  • Dual claiming strategies
  • FRA calculations
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⚠️ Important Disclaimer

These calculators provide estimates only based on current 2026 tax law. Actual results will vary due to market performance, tax law changes, and individual circumstances.

This is not financial advice. Always consult a qualified financial advisor or tax professional for personalized guidance. Read full disclaimer →