<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 platform 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.
A job loss or sabbatical: how long your cash lasts before the pre-59½ penalty wall, and what the break costs — in lower retirement income or extra working years. Job-loss and sabbatical lenses.
Keep, downsize, or sell — what each choice does to the retirement income you’ll actually live on. Home equity bridged to monthly income, net of the mortgage, selling costs, and capital-gains tax.
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.
The same plan under four sets of assumptions: middle-of-the-road forecasts, a cautious set, the kind of defaults many planning apps use, and a replay through every retirement start year since 1928. Shows how much of the answer comes from guesses about the next 30 years, and which single assumption moves it most.
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).