<retirement-calc-age>
When can I retire?
Surfaces the earliest age a plan hits 85% Monte Carlo confidence. Sliders for current savings, contribution rate, monthly goal, and Social Security expectation.
Free, embeddable Web Components from retirementscenario.com. Each calculator answers one question fast — drop it on any page, no signup, no tracking. Click through to the full planner if a user wants to keep going.
Surfaces the earliest age a plan hits 85% Monte Carlo confidence. Sliders for current savings, contribution rate, monthly goal, and Social Security expectation.
Returns the max sustainable monthly spending at 85% Monte Carlo confidence, given a retirement age and the same plan basics. Honest about the trade-off between portfolio + Social Security.
Median ending balance projected at life expectancy, in today's dollars (plus nominal for context). Same plan basics — surfaces what your simulated future leaves to heirs after a full retirement.
Monte Carlo success rate under a sequence-of-returns stress overlay — the calc that says whether your plan handles an early-retirement market crash. Green / amber / red verdict bands.
Your first Required Minimum Distribution year + dollar amount, with a 10-year projection. SECURE 2.0 birth-year aware (age 75 for 1960+, 73 for 1951–1959). IRS Uniform Lifetime Table built in.
Federal + state + IRMAA Medicare surcharge on a retirement income mix. 51-state coverage (each state's actual retirement-income treatment), Social Security taxability per IRS Pub 915, LTCG bracket-stratified across 0/15/20%.
Estimates pre-Medicare ACA health insurance premiums during the bridge years before 65. Federal subsidy cliff awareness, age-banded premium ranges, household-size Federal Poverty Level math. Honest range estimate, not a single number.
Optimal claim age based on your FRA benefit + life expectancy. Single mode shows per-age lifetime comparison with breakeven callout. Household mode compares 4 strategies — both early, both at FRA, asymmetric (higher delays), both at 70 — with survivor benefit math embedded.
The honest probabilistic answer the 4% rule oversimplifies. Computes your actual sustainable rate at 85% confidence over your real retirement horizon, then compares to the static 4% rule. At FIRE-length horizons (40+ years) honest SWR compresses below 4%; at shorter retirements it climbs above. Portfolio-only framing — apples-to-apples with Trinity.
Find out if your projected MAGI triggers Medicare Part B or Part D surcharges, and by how much. Shows your tier + per-person + household annual cost + cliff-proximity awareness ("$X over Tier 1 — reducing MAGI saves $Y/yr"). 2-year lookback rule surfaced; all-tiers reference table for context. 2026 IRS values.
Models 3 constraints simultaneously: federal bracket (auto-detected from MAGI), IRMAA Tier 1 (Medicare-eligible users), and ACA cliff (pre-Medicare users). Surfaces the BINDING constraint so users understand why they can't convert more. Most static Roth calcs only model federal bracket; this one models all three cliffs together.
The clearest answer to the FIRE-community debate about adaptive vs fixed withdrawal strategies. Runs both strategies through the same Monte Carlo sim with your plan inputs. Surprising educational moment: GK trades stable spending for plan longevity AND often produces HIGHER average real spending. Lived-experience metrics (cuts, raises, years below target) included.
The biggest irreversible decision most retirees face at retirement. Computes the present value of the annuity stream — including survivor benefit for households — at any expected return rate, then finds the break-even rate where the two options match. Headline tells you what return rate you need to earn to beat the annuity. Side-by-side PV comparison plus decision factors (longevity, inflation, legacy, sequence risk).
Consolidates 3 Roth strategies in one eligibility calc: direct Roth IRA (with linear MAGI phase-out math, not the cliff most calcs treat it as), Backdoor Roth IRA (with pro-rata warning when existing Trad IRA balance triggers it), and Mega Backdoor Roth (dynamically computed from 415(c) cap minus employee deferrals + employer match — not the hardcoded $46K most calcs use). High earners locked out of direct Roth see exactly how much they can still get into Roth via the back doors.
The first risk-ranking embed in the family. Runs the user's plan through 4 canonical stress scenarios — crash at retirement, longevity (live to 95+), SS benefits cut 25%, Lost Decade — and ranks them by impact on the plan's success rate. The headline names THIS user's biggest risk, not a generic one. Bar-chart visualization makes the ranking instantly readable. Single Monte Carlo dispatch chains all 5 sims (~3-5 sec total).