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Retirelens — Free Retirement Calculators

See how your retirement choices add up

Free calculators for saving, investing, debt, and drawing down — goals, SIP growth, loan payments, reverse mortgage, retirement income, safe withdrawal rate, 401(k), IRA, Roth conversion, Social Security, and RMDs. Change assumptions and compare scenarios in real time.

Educational tools only — not tax, legal, or personalized investment advice.

Saving

Goal Planner

How much do I need to save each month to reach my goal? Set a target, pick a horizon, and find the monthly savings required.

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Investing

SIP Growth Calculator

How much will my monthly investments grow over time? Project the future corpus you can build through disciplined investing.

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Loans

Loan payment amortization

How will my loan payments amortize over time? See principal vs. interest each month, model extra payments, and review total interest on a fixed-rate loan.

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Home equity

Reverse mortgage proceeds

How much could I access with a reverse mortgage? Estimate principal limits, net cash after payoffs, and how loan balance might grow versus home value.

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Income

Retirement Income Calculator

How much retirement income could I have? Stack portfolio withdrawals with Social Security, pensions, and other sources and see a long-run income and balance path.

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Withdrawals

Safe Withdrawal Rate Calculator

What withdrawal rate can my retirement savings support? Stress-test inflation-stepped spending vs. return and horizon, and compare to a 4% benchmark.

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Drawdown

Retirement Savings Longevity

How long will my retirement savings last? Estimate your portfolio runway based on spending, income, and investment return.

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401(k)

401(k) Calculator

How much will my 401(k) be worth at retirement? Project your balance with employer match, salary growth, and IRS limits.

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IRA

Traditional IRA vs Roth IRA

Should I contribute to a Traditional or Roth IRA? Compare after-tax wealth and sustainable income at retirement.

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Roth

Roth Conversion Calculator

Should I convert my Traditional IRA to Roth? See whether converting now beats waiting, with tax and IRMAA guardrails.

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Social Security

Social Security Optimizer

When should I claim Social Security? Compare claiming ages from 62 to 70 to maximize lifetime net benefits.

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RMD

RMD Calculator

What are your Required Minimum Distributions? Estimate RMD amounts year-by-year using IRS Uniform Lifetime Tables.

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