Retirement Tools & Calculators

During retirement, making your money last is critical. The Retirement Portfolio Probability Calculator shows results of a model portfolio built with the same asset allocation as the Lifecycle Retirement Portfolio and is meant to represent the probability that your assets will last through retirement, given different retirement lengths and annual withdrawal rates.

Answer key retirement income questions and determine the impact on different rates of inflation. This tool considers your age, expected length of retirement, estimated living expenses and how much you wish to leave to your heirs, among other factors, in calculating your retirement income.   

Get the answer by using this tool, which calculates your maximum tax-deductible contributions to a Traditional or Roth IRA. It also considers your contribution limits to employer-sponsored retirement plans (401(k), SEP, SIMPLE and Keogh plans), your tax filing status and modified adjusted gross income, among other factors.

Provide simple answers and this tool responds to the first question, are you saving enough? Then, evaluate factors you can change (how much you currently save, how long you will work) and the ones that are beyond your control (inflation, tax rates) for a complete picture.

Run this tool to see how dependent you are on Social Security for retirement income and see what happens in the worst-case possibility that Social Security ceases to exist. With the answers, you can consider changes to your current retirement savings habits now that may positively impact your future.

Consider your sources of retirement income and see which one will be the largest based on different financial and economic situations. Use this information to plan and be prepared for various financial situations when you retire.

You know that it’s important to save all you can for your retirement, and the impact of increasing your current savings is most dramatically demonstrated when you use this tool. It considers your personal situation and shows the power you currently have to put more away now and potentially have a lot more when you retire.   

Easily calculate your current monthly expenses and estimate what your expenses will be in retirement. Also consider different inflation rates and the number of years until you retire. This tool shows your current and future estimated expenses and helps you think of your retirement expenses in stages.

Use this tool to determine the amount you will receive and consider different outcomes based on changes in your income while you’re working. This calculator considers your age, expected length of retirement and any additional income you expect to earn after you are eligible to receive benefits.

Examine different possibilities by using this tool and consider ways to make the most of your current situation to prepare for retirement. Understand Traditional and Roth IRA and catch-up provisions for workers age 50 or older and what this may mean for you.

Use this tool to run different scenarios on your expenses in retirement. Discover the control you have in many areas and consider how you can prepare now for factors, such as inflation, which are beyond your control.

How do you make the most of your retirement savings during the distribution phase? Which savings should you tap first? Find the answers by using this tool, which enables you to run different “what-if” situations so you can determine how to best manage your retirement assets.

If you are expecting a lump sum distribution, this tool allows you to examine the various tax-treatment options available, including income averaging, capital gains treatment, rollover to a Traditional IRA, and rollover followed by a conversion to a Roth IRA.

Using this comprehensive IRA selection tool, enter information about your retirement needs to determine which type of IRA best meets those needs. Besides having the latest tax table information, this tool has three distinct tools - a Basic IRA Comparison Calculator, a Legacy Planning Calculator and a Breakeven Analyzer.

Converting a Traditional IRA to a Roth IRA can represent both risks and rewards. By using this calculator you can remove the guess work and create models that illustrate the results of conversion. As with our IRA Selection tool, the Conversion Calculator also incorporates Legacy Planning and Breakeven assumptions into its modeling capability.