Get the big building blocks in place first (Social Security, spending, and timeline). Then go deeper into sustainability, taxes, and optimization.
Compare claiming ages and see how lifetime Social Security benefits change over time.
OpenEstimate a retirement budget from your current spending, factor in guaranteed income, and see whether your savings look on track using a simple withdrawal-rate rule of thumb.
OpenTurn your target retirement date into a simple, phased checklist of tasks—from early prep to your last day at work and first year in retirement.
OpenSee how Social Security reduces the portfolio you need by identifying your real retirement spending gap.
OpenAdd up predictable income sources and see how your savings can grow (or be drawn down) over time.
Pressure-test your plan, clarify needs vs wants, and look at risks that matter after retirement begins.
Separate essential expenses from discretionary spending to calculate the minimum portfolio needed for security and the ideal portfolio for your full retirement lifestyle.
OpenSee the probability of your portfolio lasting through retirement using random market return simulations.
OpenCompare single-life vs joint-life annuity payouts and see how life insurance could fill the gap for your surviving spouse.
OpenPay down debt before retirement—compare avalanche vs snowball, see payoff timelines, and how extra payments save interest.
OpenThese tools can be powerful, but they’ll make more sense after you’ve established the basics above.
Analyze the benefits of converting traditional IRA funds to Roth, considering current vs future tax brackets, RMDs, and Medicare IRMAA thresholds.
OpenEstimate how Required Minimum Distributions interact with your portfolio, taxes, and retirement income over time.
OpenModel inherited IRA taxes under the 10-year rule, compare Roth conversion strategies across generations, and explore SECURE Act planning tools.
OpenIf you’re deciding between DIY vs managed options, these show how fees can add up over time.
See the true cost of advisor fees - including opportunity cost - compared to low-cost Vanguard index funds.
OpenCompare the cost of Vanguard PAS (0.30%) with a self-managed blend of Target Date funds. Allocate conservative, moderate, and aggressive.
OpenAnalyze monthly cash flow, audit spending patterns, and optimize category balances using native YNAB data logic.
Connect your YNAB budget to generate instant, rule-based category snapshots completely free. Upgrade to Premium to unlock interactive GPT-4o budget audits, overspending anomaly alerts, and personalized live chat follow-ups.
OpenBuild a buffer, get control of debt, and make the “debt vs investing” trade-off with clear numbers.
Set a target (e.g. 3–6 months of expenses) and see how long it takes to get there at your savings rate.
OpenCompare avalanche vs snowball, see payoff timelines, and see how extra payments shorten your journey and save interest.
OpenCompare putting extra cash toward high-interest debt versus investing it for retirement and see which leaves you with higher net worth over time.
OpenPlan for the big moving parts—student loans and housing—without losing track of your long-term plan.
Once the basics are stable, use these to set a target and see the levers that move your long-term outcome.
See if your current balance and contributions put you on track for retirement by your target age.
OpenGet a rule-of-thumb target for how much to have saved by retirement. Enter the income you want, subtract Social Security and pensions, and see the nest egg you’re aiming for.
OpenPlay with starting amount, monthly contributions, years, and return to see how compounding drives long-term growth.
OpenSee how retiring later, saving more each year, or spending less (or adding part-time income) changes whether you look on track for your retirement income goal.
OpenNew: Investing guidance site
A small companion site with plain‑English explanations, advisor fee impact examples, and a guide to using these calculators to make better decisions.