Retirement Calculator 2026
How long will your money last?
See your expected finances year by year, and how the outcome shifts with different returns, spending, and retirement ages.
$9
US retirement planning tools
See whether your retirement plan holds up.
You enter your own numbers. Calculations run automatically, and every assumption is visible, so you can trace the math behind each result.
-
Built by an economist and tech founder
Christian Elkrog holds an MSc in Economics and has more than a decade of experience as a business owner, investor, and consultant, including a successful company exit.
-
Transparent assumptions
Sources, assumptions, formulas, and limitations are documented so you can trace the reasoning behind each result.
-
Your data stays with you
No account connection or hidden data collection. The figures you enter remain in your own files.
-
14-day money-back guarantee
Full refund, no questions asked. Described in our refund policy.
Build your own plan
What do you want to answer?
Select one or more workbooks. Your total updates immediately, and every detailed product page remains available if you want a closer look.
Early Retirement / FIRE Calculator 2026
Can you retire early and stay retired?
Compare three FIRE ages, Coast FIRE, the pre-59½ bridge, and 1,000 statistical market paths.
$9
RMD & Withdrawal Planner 2026
What will RMDs do to your retirement income?
Track what is still due this year, compare first-RMD timing, and project QCDs, tax, withdrawals, and assets through retirement.
$9
Estate Organization Workbook 2026
Do your loved ones have the overview they need?
Gather accounts, insurance, digital access, contacts, and wishes in one place. 10 ready-made tabs.
$9
Social Security Optimizer 2026
Claim Social Security now, or wait?
Compare claiming ages from 62 to 70, see the break-even in both today's dollars and nominal amounts.
$9
Tax-Efficient Withdrawal 2026
What does withdrawal order do to your tax bill?
Compare three withdrawal strategies over 25 years, see the difference in lifetime tax and net worth.
$9
Home Equity in Retirement 2026
Age in place, downsize, or sell and rent?
Your home is likely your largest asset. Compare 4 scenarios over 25 years.
$9
Healthcare Bridge Planner 2026
The pre-65 healthcare gap that ruins early retirement.
Bridge from retirement to Medicare. Optimize MAGI for ACA subsidies. Project Medicare and Medigap to age 90.
$9
How it works
Three steps from empty fields to a full picture.
01
Enter your details
You get clear guidance on which numbers you need, retirement accounts, savings, expected spending, and where to find them. No formulas to write.
02
Compare your options
See the difference between claiming ages, housing choices, and retirement dates. Change your assumptions, and everything recalculates instantly.
03
Understand the result
Every rate, assumption, and source is visible. You can see how each number was computed, and adjust it when your situation calls for it.
Built to give you a clear picture
Three principles. No exceptions.
01
Easy to use
You fill in your numbers. Calculations, tables, and charts update automatically. No formulas to write, no cells you can break.
02
Open calculations
Every rate, assumption, and source is visible. You can always see how a result was computed, and when the numbers were last updated.
03
Your data stays yours
The Excel version lives on your own computer. In the web app, your data can be exported whenever you want.