Retirement calculators

Compare the three Notice 2022-6 SEPP methods from either an account balance or a target annual income. The result shows the permitted interest-rate ceiling, the minimum commitment period, and a year-by-year projection.

Use this calculator to apply the annual Guyton-Klinger decision rules to a current retirement portfolio balance. It shows the baseline withdrawal, guardrail thresholds, triggering test rate, and the recommended amount for the next year.

Compare two monthly pension offers when one starts higher and the other has a cost-of-living adjustment. The calculator shows present value, lifetime payments, ending purchasing power, and the age when the lower early value catches up.

Use this calculator to compare a pension buyout with a monthly pension. It estimates the actuarial present value of the pension, including COLA and joint-and-survivor payments when they apply.

Use this calculator to see how the order of returns can change a retirement withdrawal plan. It compares the same return set with the bad years first, bad years last, and a constant-return benchmark.

Use this calculator to turn a starting spending amount into an age-by-age retirement spending projection based on David Blanchett's published equation. It separates the real spending path from future-dollar spending and shows how guaranteed income can reduce portfolio withdrawals.

Use this calculator to size the savings bridge for delaying Social Security. It estimates the monthly withdrawals needed before the later claim starts, then compares the two benefit paths through your chosen age.

Enter your Social Security benefits and other income to estimate how much of the benefits are included in federal taxable income. The calculator also shows how much ordinary income room remains before the next benefit taxability threshold or the 85% benefit cap.

Estimate this year’s Variable Percentage Withdrawal (VPW) from your portfolio, age, asset mix, expected real returns, and fees. Add recurring retirement income to see the total spending the estimate supports.