6 calculators
Retirement
Retirement questions are sums over decades, with a few published rules in the middle. These work the sums from figures you supply: a benefit from your own statement, a return you choose, and rates you can check against the Social Security Administration and the IRS. They are estimates, not advice, and none of them says when to claim or what to spend.
- Social Security claiming age calculatorA monthly benefit at each claiming age from 62 to 70, starting from the figure on your own statement, and the age at which the later claim overtakes the earlier one.
- Social Security earnings test calculatorWhat is held back from a year of benefits when you claim early and keep working, at a limit you can check and change.
- Taxable Social Security calculatorHow much of a year's benefits is counted as taxable income, from your other income and the thresholds the IRS publishes.
- Retirement drawdown calculatorHow many months a pot of savings pays a fixed monthly withdrawal, at a yearly return you choose.
- Savings growth calculatorWhat a starting balance and a monthly contribution grow to, split into the money you paid in and the growth on it.
- Required minimum distribution calculatorA year's required withdrawal from a retirement account: last year's closing balance divided by the period the IRS table gives for your age.
