Ten calculators built around the specific decisions that shape your retirement — using real 2026 IRS and CMS data, verified sources, and plain-English results.
Am I On Track? Retirement Score
Eight questions. A score out of 100. A personalized breakdown of where you stand across savings, Social Security, Medicare, debt, and income — and what to prioritize next.
Social Security Break-Even Calculator
Compare claiming at 62, 67, and 70. See your exact monthly benefit at each age, the break-even crossover points, and a 30-year cumulative income chart.
Retirement Savings Gap Calculator
How much do you actually need versus what you have? See your gap, your monthly savings runway, and how the Fidelity 10x benchmark applies to your specific situation.
RMD Calculator
Required Minimum Distributions calculated using the real IRS Uniform Lifetime Table. Includes a 20-year projection, dual-axis chart, and QCD strategy tip.
Medicare Late Enrollment Penalty Calculator
Find out if you owe a late enrollment penalty — and exactly how much. Includes Part B, Part D, and IRMAA calculations using real 2026 premium numbers.
Inflation Impact Calculator
See what your savings are actually worth in 10, 15, 20, and 30 years. Includes a category breakdown — healthcare inflates faster than general costs — and four protective strategies.
Retirement Paycheck Builder
Build your actual retirement income picture — layering Social Security, pension, and portfolio withdrawals into a live monthly paycheck with gap analysis and bucket strategy.
Healthcare Cost Estimator
Answer 6 questions. Get a personalized estimate of your lifetime retirement healthcare costs — including Medicare premiums, out-of-pocket, dental, long-term care, and coverage gaps.
Roth Conversion Tax Estimator
Model a Roth conversion using real 2026 tax brackets. See what converting costs now versus paying RMD taxes later — with IRMAA warnings and bracket optimization.
Social Security Spousal Benefit Optimizer
Compare three claiming strategies for married couples. Includes survivor benefit impact over a 15-year widowhood, real SSA spousal formula, and cumulative income chart.