Retirement Market Downturn Plan
Measure how long reserves cover the retirement spending gap and how temporary spending cuts change the first 24 months.
Build my downturn plan →RetireNerd Tools
Retirement Calculators & Tools
Start with one question. Get a focused answer from a simple calculator, then use the Retirement Planner & Modeler when you want to see how your complete retirement plan works together.
Explore the Retirement Planner & Modeler →
Guided Retirement Decisions
Start with the decision in front of you. Each guide explains the result and the next step; use the Retirement Planner & Modeler when several decisions need to work together.
Mortgage Payoff Decision Guide
Compare the payment removed, scheduled interest, accessible money left, reserve target and possible taxes from the payoff source.
Compare keep versus payoff →Should You Move After Retirement?
Compare staying, downsizing and relocating using net sale proceeds, transition costs, monthly housing expenses and daily-life fit.
Compare my three paths →Retirement Life Planner
Turn retirement ideas into a weekly rhythm, check lifestyle spending and get a practical 30-day starting plan.
Build my retirement week →Healthcare Bridge to Medicare
Compare spouse or employer coverage, COBRA and Marketplace estimates across every month before Medicare.
Compare my healthcare paths →Medicare Enrollment Path
Find the enrollment question to resolve based on age, active employment coverage, employer size, HSA contributions and drug coverage.
Find my Medicare path →Roth Conversion Opportunity Guide
Find a possible lower-income window, estimate room below your chosen ceiling and identify healthcare and tax issues to review.
Find my conversion window →Retirement Planning
Retirement Readiness Check
Test savings, spending, income timing, healthcare, cash reserves, first withdrawals and taxes—then get an ordered action plan.
Check retirement readiness →Social Security Claiming Guide
Compare your monthly estimates at 62, full retirement age and 70, then identify the bridge, work and survivor questions that matter.
Compare claiming choices →24-Month Withdrawal Planner
Map the first two years of retirement spending to cash and specific accounts, including a protected reserve and estimated traditional-account taxes.
Build withdrawal plan →Retirement Savings Checkpoint
Chart how current savings, future contributions and estimated investment growth compare with the portfolio your retirement spending may require.
Check my savings progress →Retirement Spending Planner
Build a realistic spending plan, include uneven costs and see what reliable income and savings may need to provide.
Plan retirement spending →Spending Gap Calculator
See how much of your retirement spending may need to come from savings.
Open calculator →RMD Calculator
Estimate a required minimum distribution using the applicable IRS life-expectancy factor.
Open calculator →Debt & Mortgage
Credit Card Debt Payoff Calculator
Estimate payoff time, total interest, or the payment needed to become debt-free by a target date.
Open calculator →Mortgage Payoff Calculator
Compare your current payoff path with extra payments or a target payoff timeline.
Open calculator →Debt Consolidation Calculator
Compare current debts with a proposed consolidation loan, including interest and fees.
Open calculator →Investing
Investment Goal Calculator
Solve for the return, monthly savings, time or starting balance needed to pursue an investment goal.
Open calculator →Retirement Planner & Modeler
Model savings, investments, retirement spending, Social Security, withdrawals, taxes, healthcare and difficult markets together.
Model my retirement →Interactive Retirement Roadmap
See which retirement milestones and decisions may deserve attention based on your age and timeline.
Build roadmap →Savings Benchmarks
Retirement Savings Benchmarks
Compare broad age-and-income guidelines with a personal spending-based checkpoint and get clear next actions.
Explain my benchmarks →Educational tools: RetireNerd calculators provide simplified estimates for planning and education. They are not individualized financial, tax, legal or investment advice.
Educational purposes only — read the Financial & Educational Disclaimer