Free Retirement Calculators
Quick, no-signup tools for the retirement decisions that move the most money — Medicare surcharges, required distributions, and Social Security timing.
IRMAA Calculator
See your 2025 Medicare Part B and Part D surcharge by income, and how a Roth conversion changes your tier.
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RMD Calculator
Estimate your Required Minimum Distribution from a traditional IRA or 401(k) under the SECURE 2.0 age schedule.
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Social Security Calculator
Compare claiming at 62, full retirement age, and 70 to see the lifetime benefit difference.
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MEC / 7-Pay Calculator
Run the IRC §7702A 7-pay test to see if an IUL or whole life funding plan creates a Modified Endowment Contract.
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Paycheck Calculator
See the real take-home cost of a pre-tax or Roth 401(k)/403(b)/457 contribution — and what it grows to by retirement.
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Contribution / MAC Calculator
Find your 2026 maximum across 401(k)/403(b)/TSP and 457(b), with age-50, 60-63 super, and 15-year catch-ups.
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