Free retirement calculators

Know where you stand. See what to do next.

Find your retirement number, test how long your money may last, compare where your next contribution belongs, and see what your 401(k) fund choices may cost you. Each free calculator gives you a clear answer you can act on.

Saving for retirement

Take them in order.

First

How much do I need to retire?

How much do you actually need saved to retire? We subtract Social Security and any pension first, then show what your investable portfolio has to cover in today's dollars.

Retirement Number Calculator 

Then

Which account should I fund first?

Same money out of your paycheck, seven places to put it. Race an HSA against a 401(k), a Roth, an IRA and a brokerage account, and see which one gets you there first, in years and months.

HSA vs 401(k) Calculator 

Finally

Is my 401(k) in the right funds?

Compare your current 401(k) allocation with the best one your plan offers. The wrong choice can cost you years of extra work.

401(k) Asset Allocation Calculator 

Retired

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

How long will my money last in retirement?

See how long your savings can support the retirement you want, and whether a different portfolio could make them last longer. Enter what you have, what you spend and how it is invested. We supply the long-run returns and account for inflation.

Portfolio Longevity Calculator 

Test the investments behind your retirement

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

Would my portfolio have survived 1970s inflation?

Retiring into a good decade is luck. Run your portfolio through the Depression, the 1970s, the dot-com bust, and 2008, and find out which one breaks it.

Portfolio Stress Test 

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.