Retirement Planner Calc

Last Updated: May 2026

About Retirement Planner Calc

Retirement Planner Calc is a free suite of six retirement planning tools. It was built for people who want real numbers without paying for a consultation.

The tools cover the full retirement planning picture. The main retirement planner gives you a readiness score and a year-by-year projection. The FIRE calculator finds your financial independence number. The RMD calculator uses the official IRS Uniform Lifetime Table.

The Roth conversion analyzer shows the tax tradeoff. The Social Security break-even tool compares claiming at 62, 67, and 70. The 401(k) calculator projects growth including employer match and 2026 catch-up contributions.

Who Built This

My name is Daniel Terry. I am a licensed real estate broker and loan originator based in East Wenatchee, Washington. I served in the U.S. Army.

I built this site because retirement math is not complicated, but most retirement calculator sites make it feel that way. I started GSD Local Marketing to build free financial tools that people can actually use.

Every calculator on this site is updated for 2026 IRS limits and SECURE 2.0 rules. Nothing is locked behind a paywall. Nothing requires an email address.

Contact: [email protected]

Our Methodology

Every number this site produces comes from a published, verifiable source.

Compound growth projections use standard future-value formulas with monthly compounding. The formula is FV = P x (1 + r/n)^(nt) + PMT x [((1 + r/n)^(nt) - 1) / (r/n)].

Safe withdrawal rate defaults to 4%, the Bengen Rule, published in the Journal of Financial Planning in 1994, validated using U.S. market data from 1926 through 1994.

RMD calculations use the IRS Uniform Lifetime Table, updated in 2022 and current for 2026. If your spouse is the sole beneficiary and more than 10 years younger, the Joint Life and Last Survivor Table applies and produces a smaller RMD. This calculator uses the Uniform table and notes the exception.

Federal income tax estimates use 2026 inflation-adjusted brackets per IRS Rev. Proc. 2025-61.

Social Security projections follow the SSA's published early reduction formula (5/9 of 1% per month for up to 36 months before FRA, then 5/12 of 1% per month beyond 36 months) and delayed credit formula (8% per year from FRA to age 70).

FIRE calculations use 25x annual spending (Regular FIRE / 4% rate), 20x (Lean FIRE / 5% rate), and 33x (Fat FIRE / 3% rate).

2026 contribution limits per IRS Notice 2025-67.

What This Site Is Not

This site is not a financial advisor. It is not affiliated with the IRS, the SSA, Fidelity, Vanguard, Schwab, or any government agency.

Calculator results are projections. They are based on your inputs and assumed rates of return. Real markets do not grow at a fixed rate. Real tax rates change. Real Social Security policy may change.

These projections are a starting point, not a guarantee. For decisions that affect your retirement income, work with a licensed fiduciary financial advisor.

Why Free?

This site earns revenue from display advertising and from referral partnerships with financial services companies. When you click through to a financial advisor matching service or an IRA provider, this site may earn a commission.

That does not change the cost to you and it does not affect the calculator results. The calculators are free because the business model works that way. You get accurate numbers. This site earns from the referral. A financial advisor earns a client. Everyone wins.

Data Privacy

Every calculation happens in your browser using client-side JavaScript. The numbers you enter are never sent to a server. They are never saved. They are never shared.

This site uses Google Analytics 4 to measure aggregate traffic. It uses Google AdSense and potentially Ezoic for display advertising. These services use cookies. See the Privacy Policy for full details.

Frequently Asked Questions About This Site

Retirement Planner Calc is completely free to use. All 6 calculators, the retirement planner, FIRE calculator, RMD calculator, Roth conversion analyzer, Social Security break-even tool, and 401(k) growth calculator, require no login, no email address, and no payment. The site earns revenue from display ads and referral commissions when visitors choose to connect with a financial advisor or open an account through an affiliate link.
Retirement Planner Calc is built and operated by Daniel Terry, a licensed real estate broker and Army veteran based in East Wenatchee, Washington. The site is published by GSD Local Marketing. All calculators are updated for 2026 IRS limits, SECURE 2.0 rules, and current Social Security formulas sourced from IRS.gov and SSA.gov.
The 2026 retirement contribution limits shown on this site are sourced from IRS Notice 2025-67. The 401(k) limit is $24,500. Workers age 50 and older can contribute up to $32,500 total. Workers aged 60 to 63 qualify for the SECURE 2.0 super catch-up of $35,750 total. IRA and Roth IRA limits are $7,500, or $8,500 for those age 50 and older. SIMPLE IRA limits are $17,000. Limits are always verified against the original IRS publication.
This site does not store any financial data you enter. All calculations run in your browser using client-side JavaScript. Nothing you type is transmitted to a server or saved anywhere. You can close the browser tab and your data is gone. This is verified in the Privacy Policy at retirementplannercalc.com/privacy.