About Retirement Planner Calc

Retirement Planner Calc is a free suite of retirement planning tools built to answer the most important questions pre-retirees face: Am I on track? When can I retire? How long will my money last?

Every calculator is updated for 2026 IRS limits, SECURE 2.0 rules, and the most recent Social Security guidance. All calculations run entirely in your browser — your inputs are never sent anywhere or stored.

Our Methodology

• Compound growth uses standard future-value formulas with monthly compounding.
• Safe withdrawal projections use the Bengen 4% rule as the default.
• RMDs use the IRS Uniform Lifetime Table (2022 update, current for 2026).
• Federal tax estimates use 2026 inflation-adjusted brackets.
• Social Security calculations follow the SSA's published reduction and delayed-credit formulas.

This is not financial advice. For decisions affecting your retirement, work with a qualified fiduciary advisor.