Retirement Calculator
Taxes, RMDs, and Roth conversions — all in one place.
Most calculators give you a number. SmartRetireCalc gives you a year-by-year retirement income plan — with taxes calculated, Roth conversion windows identified, and RMD impact shown — all without creating an account.
Not just a projection — a complete retirement withdrawal strategy calculator.
Designed around current U.S. retirement laws, taxes, Social Security, Medicare, and retirement accounts — with support for additional countries planned in the future.
No account required · Your data is never sold · Nothing stored in the cloud unless you save a plan · Disclaimer
Start with the question you have
Pick the question that brought you here — we’ll take you straight to the right tool.
Three steps to your free retirement calculator
Enter your details
Age, retirement date, account balances (pre-tax, Roth, taxable), Social Security estimate, spending, and contributions. Takes about 3 minutes.
Run the projection
Our engine calculates year-by-year withdrawals, Roth conversions, RMDs, Social Security income, and federal taxes — all in one pass.
Explore scenarios
Tweak retirement age, spending, conversion strategy, or SS start date and instantly see the impact on your lifetime balance.
Try a sample scenario
Pick a starting point that matches your situation — all fields are pre-filled and ready to run. Adjust any number to make it yours.
On track — retiring at 65
Age 55 with $720k saved across a 401(k), Roth IRA, and brokerage account. Retires at 65 with $60k/yr spending and Social Security at 67.
Behind on savings — needs a plan
Age 58 with only $165k saved. Planning to retire at 63 and claim Social Security early at 62. Portfolio runs out well before end of life — see what needs to change.
Well-prepared couple
Ages 60 and 58, $1.19M combined across 5 accounts. Both have Social Security. Retiring at 65 and 63 with $90k/yr combined spending.
Retiring at 55 — 10 years early
Age 50 with $1.18M saved. Plans to retire at 55, delay Social Security to 70, and harvest Roth conversions during the low-income gap years before SS starts.
High pre-tax balance — RMD risk
Age 68, $1.85M mostly in pre-tax accounts. Already retired. RMDs at 73 will force large taxable withdrawals — see the full tax impact year by year.
Starting late — catching up
Ages 60 and 57, only $270k saved. Both still working and contributing aggressively. Planning to retire at 67 and 64. Will they have enough?
Need RMD, Roth conversion, or advanced tax strategy scenarios?
Explore all advanced scenarios →Retirement planning tools & guides built for real decisions
Roth & pre-tax account types
Pre-tax (401k/IRA), Roth, and taxable brokerage — each tracked separately with correct tax treatment.
Social Security & joint planning
Model different retirement ages, Social Security benefits, and life expectancies for you and your spouse.
Stock holdings
Add individual tickers and get live price quotes factored into your starting balance automatically.
Expense estimator
Use our detailed budget builder to set realistic retirement spending instead of guessing a single number.
Federal tax engine
Ordinary income, capital gains, IRMAA, and Roth conversion taxes computed at each age bracket.
Save your plan
Create a free account to save and reload your scenario from any device, anytime.
Without an integrated view, small decisions today can create large tax surprises later.
One projection. Not five separate tools.
Most retirement planning tools split critical decisions across separate calculators. SmartRetireCalc connects them all in a single, coherent tax-aware retirement calculator — so you can see how a Roth conversion this year affects your taxes in 10 years, your RMD liability in 20, and your spending flexibility at 85.
| Without an integrated tool | With SmartRetireCalc |
|---|---|
| Use a separate Roth conversion tool, then manually estimate the tax cost against your full income picture | A retirement calculator with Roth conversion built in — conversions are planned inside your full projection and the tax cost is computed each year automatically |
| Estimate RMDs in isolation, then guess how they push up your tax bracket | A full retirement calculator with RMD built in — auto-calculated at age 73 and folded into your annual income and tax totals |
| See a final “balance” with no tax breakdown | Year-by-year taxes shown — ordinary income, capital gains, IRMAA — a complete retirement withdrawal strategy calculator built into every projection |
| Run a separate retirement income simulator to check cash flow alongside your main plan | Withdrawal sources, Social Security, and Roth conversions modeled together — a retirement income simulator for your entire plan in one place |
Real retirement decisions, real numbers
Five examples of what SmartRetireCalc shows you — calculated the same way your plan will be.
Single retiree, age 62, $720k saved, $55k/yr spending, SS at 67. Portfolio balance age 62 → 90:
Other calculators from SmartRetireCalc
Each tool answers a specific retirement question. Use them standalone or alongside the main planner.
Find the lowest-tax window to convert pre-tax savings to Roth and reduce lifetime taxes.
Compare claiming at 62, 67, or 70. See the crossover point and lifetime benefit difference.
See required minimum distributions by age and account balance before they push you into a higher bracket.
Estimate whether your income could trigger higher Medicare Part B & D premiums via IRMAA surcharges.
Calculate how much you can withdraw each year without running out — based on your balance and time horizon.
Get a quick readiness score based on your age, savings, and target spending to see where you stand.
See how inflation erodes purchasing power over time and what $1 today will be worth in retirement.
Project how a lump sum or regular contributions grow over time with compound returns.
Practical steps you can take today
Sourced, credited, and connected to a calculator where the numbers matter.
A small, sustainable weekly contribution — automated into an IRA and actually invested — can add up meaningfully over decades of compounding.
Practical, realistic ways to free up or earn an extra $50 a week — from trimming a recurring expense to a small side activity — so there's something to invest.
Two well-known ways to structure a debt payoff plan — smallest-balance-first or highest-interest-first — and how to redirect the freed-up payment toward retirement once debt is gone.
Built for serious retirement planning
Designed by someone who performs portfolio analysis and retirement stress-testing professionally — not a generic calculator template.
Every calculation is documented. We show exactly how taxes, RMDs, Roth conversions, and Social Security are modeled. See the math →
Your inputs are used only to generate your results and are never sold. No data is stored by default. No login required to run a full projection. Create a free account only if you want to save your scenario.
Results are educational estimates, not financial advice. Use them to understand the range of outcomes before speaking with an advisor.
Common questions
Quick answers to the most common retirement planning questions.
Is this a retirement calculator with Roth conversion built in?
Does it calculate Required Minimum Distributions (RMDs) automatically?
How does this tax-aware retirement calculator handle taxes?
Do I need to create an account?
How is this different from other retirement calculators?
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