Retirement Calculators
All 15 SmartRetireCalc tools in one place. Use the full retirement calculator for a complete projection, or pick a focused tool for a specific question.
Planning & Projections
Retirement Age Calculator
How much do you need to retire? Calculate your number using the 25× rule, project when you’ll reach it, and explore how savings rate changes the timeline.
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ReadinessRetirement Readiness Score
Get a composite readiness score 0–100 based on your savings rate, portfolio size, debt, SS eligibility, and emergency fund. Includes actionable improvement tips.
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InvestingInvestment Growth Calculator
Project future portfolio value with compound interest, regular contributions, and inflation adjustment. Visualize how starting early multiplies outcomes.
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Small StepsSmall Steps Retirement Calculator
See how a small recurring contribution — like $50 a week — could grow by retirement. Compare weekly, biweekly, monthly, and annual contributions, and the effect of adding $25 or $50 more a week.
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Income & Benefits
Social Security Claiming Calculator
Compare cumulative lifetime Social Security benefits at different claiming ages (62–70). Find your break-even age and model the impact of delaying.
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Income GapIncome Gap Calculator
How much of your planned spending isn’t covered by guaranteed income (SS + pension)? Find your portfolio withdrawal requirement and safe withdrawal rate.
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Social SecuritySocial Security Bridge Calculator
Claim early and lean less on savings, or delay to 70 and live off your portfolio during the bridge years? Compares all three claiming ages against your own account balances.
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PensionPension vs. Lump Sum Calculator
Enter your monthly pension benefit and lump sum offer. See break-even age, total lifetime value, investment return threshold, and survivor benefit analysis.
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MedicareMedicare Premium Calculator
Estimate your Part B and Part D premiums including IRMAA surcharges based on income. See the impact of Roth conversions on your Medicare costs.
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AnnuityGuaranteed Income Annuity Calculator
Compare SPIA (income now), DIA (deferred income), and QLAC (IRA-based, reduces RMDs) side by side. See monthly payouts, break-even ages, and QLAC RMD savings for your age, gender, and premium.
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Income FloorIncome Floor Calculator
How much of your essential expenses does guaranteed income cover? See your floor coverage %, monthly gap, and how much SPIA premium is needed to fully close it.
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HousingRetirement Home Sale Calculator
Estimate sale proceeds, taxes, replacement housing costs, investable cash, and potential Medicare IRMAA effects.
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IncomeRetirement Paycheck Calculator
Model monthly income from your own investment portfolio without buying an annuity. Compare withdrawal strategies and see how long your money lasts.
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Tax & Optimization
Roth Conversion Optimizer
Enter your pre-tax balance, income sources, and target bracket. Get an annual conversion schedule that minimizes lifetime taxes while keeping you under IRMAA thresholds.
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RMDsRMD Calculator
Calculate your Required Minimum Distribution for any age using the IRS Uniform Lifetime Table. Project RMDs over 20+ years to anticipate future tax obligations.
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Risk Analysis
Safe Withdrawal Rate Calculator
Is your withdrawal rate sustainable? See a year-by-year balance projection, compare rates from 3% to 5.5%, and stress-test your plan against lower returns, higher inflation, and other assumptions.
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Sequence RiskSequence-of-Returns Risk Calculator
Model a bad-sequence scenario: how does a 20–40% market drop in years 1–3 of retirement affect your long-term portfolio? Compare defensive strategies.
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InflationInflation Calculator
How much will $1,000/month cost in 10, 20, or 30 years? Project inflation-adjusted spending requirements and evaluate TIPS, I-bonds, and COLA-protected income.
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Not sure which calculator to use?
Start with the Retirement Calculator for a complete projection. If you have a specific question about Social Security, taxes, or risk, pick the focused tool above. Or read the relevant guide first.