Free retirement calculators

Get clear answers to your retirement questions.

Find out how much you need, where your next dollar should go, whether your 401(k) has the right funds, and how long your money may last.

Saving for retirement or retiring soon

Take them in order.

First

How much do I need to retire?

Get one clear number: how much you need saved after Social Security and any pension.

Find my retirement number 

Then

Which account should I fund first?

Compare seven places to put your money. See which one gets you to retirement fastest.

See which account wins 

Finally

Is my 401(k) in the right funds?

Compare your 401(k) with the best allocation your plan offers. The wrong funds could mean working years longer.

Check my 401(k) 

Retired

See how long your money may last and what changes the answer.

How long will my money last in retirement?

See if your savings can pay for your full retirement. If not, find ways to make them last longer.

See how long my money lasts 

Find the weak spots in your portfolio before a crash does

See how your holdings might behave when inflation rises or markets fall.

Check today’s stock market warning signs

See whether stocks, bonds and gold are moving together, plus the latest inflation reading.

Stocks + bonds--
Stocks + gold--
Inflation--
Check today’s warning signs  Free. Updated every market day.

Run your retirement through four real crashes

Test your portfolio against the worst markets of the past 100 years. See if one could sink your retirement.

1929Great Depression
1973Stagflation
2000Dot-com Bust
2008Financial Crisis
Stress-test my portfolio  Free. Actual yearly returns from 1928 to 2025.

Let your retirement save years

Turn your calculator answers into a retirement system you can follow.

Gold+ shows which accounts to fund first, exactly what each should hold, and how many years a Refined FI portfolio could save you compared with your current holdings. Retest when life changes. The Risk Monitor checks market risk daily and emails or texts only when guidance calls for a portfolio action.

See how many years you could save

You make every change in your own accounts. Gold+ does not manage money or place trades.