Financial calculators

Free calculators that work on your own numbers and show every assumption they make. Each one is tested with multiple methods across thousands of scenarios and reviewed by a financial planner before it goes up. How we test calculators.

You can also put any of them on your own website for free, and it will update itself when we improve it. Get the embed code.

Retirement Planning

RMD CalculatorUpdated for 2026Your required minimum distribution for the year from IRAs, 403(b)s and a 401(k), which account it must come from and by when, with the spouse table, QCDs, the still-working rule and a projection to age 95.

Coast FIRE CalculatorYour Coast FIRE number: what you need invested today to stop saving for retirement and still retire on time, the age you catch up with it if you keep saving, and what your savings would pay for now, with optional Social Security.

Inherited IRA RMD CalculatorUpdated for 2026The least you must withdraw from an inherited IRA this year and when it must be empty, under the 10-year and life-expectancy rules, with withdrawal plans compared at your federal tax bracket.

Taxes

Social Security Tax CalculatorUpdated for 2026How much of your Social Security is taxable, with the IRS worksheet, the federal income tax it adds, and what the next $1,000 of IRA income, municipal interest or capital gains would cost.

Financial Advice & Advisors

Financial Advisor Fee CalculatorWhat a financial advisor costs over time under a percentage-of-assets, flat, hourly or project fee, side by side, with the break-even percentage against each.

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