Free retirement calculators & planning tools
What's your number?
Find your FIRE number, stress-test your withdrawal rate, and see if your nest egg works in your city. All free, all in your browser, no sign-up required.
Tools
Free Retirement Calculators
FIRE Number
How much do you need to retire early? Calculate your target based on expenses and withdrawal rate.
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Coast FIRE
When can you stop saving and let compound growth do the rest? Find your coast-to-retirement age.
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SWR Analyzer
Will your money last? Stress-test your withdrawal rate with 1,000 Monte Carlo simulations.
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City Retirement
Where does your nest egg go furthest? Compare retirement costs across 30+ US cities.
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Sequence Risk
What if a crash hits right after you retire? Place historical downturns on your timeline and stress-test your plan.
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Resources
Featured Guides
brokerage comparisons
Dividends vs Total Return for Retirement Income: The Honest Comparison
Why a dividend-focused portfolio is not the same as a total-return portfolio in retirement, and what the math actually says about which one funds a longer retirement.
tax strategies
Social Security Timing and Withdrawal Strategy: When to Claim, When to Spend
How Social Security claim age interacts with portfolio withdrawals. Break-even math, portfolio relief, longevity hedging, and the case for waiting until 70.
tax strategies
Safe Withdrawal Rate for a 50-Year Retirement: What the Math Actually Says
An honest look at safe withdrawal rates over 50-year retirement horizons. Why 4% breaks, what to use instead, and the assumptions every long-horizon retiree should test.
tax strategies
Guyton-Klinger Retirement Rule: How the Guardrails Actually Work
A practitioner walkthrough of the Guyton-Klinger withdrawal rule. Initial rate, decision rules, prosperity vs. capital-preservation guardrails, and where it breaks.
brokerage comparisons
Vanguard vs Schwab for Early Retirement - Nest Egg Numbers
Compare vanguard vs schwab for early retirement with expert analysis. Side-by-side breakdown of key differences, pros, and cons from Nest Egg Numbers.
brokerage comparisons
Vanguard vs M1 Finance for Early Retirement - Nest Egg Numbers
Compare vanguard vs m1 finance for early retirement with expert analysis. Side-by-side breakdown of key differences, pros, and cons from Nest Egg Numbers.