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Thirty tools for the questions every retiree asks, each built from the public rules with the year's figures and the sources attached. Each ends by telling the reader to talk with a professional who knows their whole situation.

30 tools for retirement planners. Each link opens a calculator in a small window on your site. Your visitor runs their own numbers, sees what the rules say, and reads the line every tool ends with: talk with a professional who knows your whole situation. On your site, that professional is you.

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  • Social Security Claiming Calculator Shows your Social Security benefit at every claiming age from 62 to 70 and what each adds up to over a lifetime.
  • RMD Calculator Computes the withdrawal the law requires from your retirement account this year and projects the next ten years.
  • Medicare Enrollment Window Dates your Medicare sign-up window to your birth month and shows what a late sign-up costs for life.
  • How Much Can I Save This Year? Adds up how much you can put into retirement and health savings accounts this year, at your age.
  • Roth or Traditional 401(k)? Compares a Roth and a traditional 401(k) contribution at the same cost to your paycheck, at the tax rates you expect now and in retirement.
  • Roth Five-Year Rule Calculator Checks which of the Roth IRA five-year clocks have run and what a withdrawal would cost you today.
  • Sell or Keep the House? Compares staying in your house with selling it and renting, year by year, at the costs and returns you expect.
  • Pay Off the Mortgage or Invest? Sends the same extra dollars each month down two paths, to the mortgage or into an investment, and shows where each stands when the mortgage would have ended.
  • Social Security Break-Even Calculator Finds the age at which waiting to start Social Security pays off, including what the early checks could have earned.
  • Social Security Spousal Benefit Calculator Shows how much Social Security a spouse can collect on the other spouse's work record, at each claiming age.
  • Survivor Benefit Timing Calculator Helps a widow or widower choose which Social Security benefit to take first, and when to switch.
  • Social Security Earnings Test Calculator Shows how much Social Security holds back if you work while collecting early, and what you get back later.
  • Social Security After Divorce Checks whether you can collect Social Security on a former spouse's record, and shows how much, while they are living and after they die.
  • Social Security Taxation Calculator Works out how much of your Social Security benefit is taxed, based on your other income.
  • The Retirement Numbers Puts this year's retirement figures in one place, each with the government release that set it.
  • Your Retirement Timeline Turns your birth month into the dates of every age-based retirement rule that applies to you.
  • Will My Money Last? Projects whether your savings will last, year by year, at the spending and assumptions you choose.
  • Pension or Lump Sum? Compares taking a pension as monthly checks for life with taking the lump sum offered instead.
  • Real Marginal Rate Calculator Shows what one more withdrawal really costs in tax, once Social Security and Medicare react to it.
  • Roth Conversion Room Calculator Shows how much you can move from a traditional IRA to a Roth this year before the tax rate steps up or Medicare premiums rise.
  • Roth Conversion Ladder Planner Plans a Roth conversion in yearly slices, each sized to the top of a tax bracket, and shows how long it takes and what it costs.
  • First RMD Timing Calculator Compares taking your first required withdrawal in its own year with delaying it to April 1 and taking two the following year.
  • 72(t) Payments Calculator Computes the yearly withdrawal you can take from a retirement account before 59½ without the early-withdrawal penalty.
  • QCD or Cash Gift? Compares giving to charity by writing a check with giving straight from an IRA, and shows which saves more.
  • Illinois Retirement Income Tax Computes the Illinois income tax on a retirement income, showing what Illinois leaves alone and what it taxes.
  • IRMAA Calculator Finds the Medicare premium tier your income lands in and what it costs for the year.
  • IRMAA Appeal Checker Checks whether you can ask Medicare to base your premium on this year's income instead of a return from two years ago.
  • Widow's Penalty Calculator Shows how much more federal tax a surviving spouse pays on the same household income after the joint return ends.
  • Long-Term Care Cost Projection Projects what a period of long-term care could cost by the time you need it, and what set aside today would cover it.
  • Inherited IRA Rules Tells you which withdrawal rule applies to a retirement account you inherited, and by what year it must be empty.

Calculators from Considerate Capital. Educational estimates from the public rules, not advice; each opens in its own window with the sources and terms.

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<ul class="cc-quiet-tools">
  <li><a href="https://consideratecapital.com/embed/social-security-claiming-calculator?via=advisor-mass-retirement" target="_blank" rel="noopener" onclick="window.open(this.href,'cc-tool','scrollbars=yes,resizable=yes,left='+((screen.width-780)/2)+',top='+((screen.height-900)/2)+',width=780,height=900');return false;">Social Security Claiming Calculator</a> <span>Shows your Social Security benefit at every claiming age from 62 to 70 and what each adds up to over a lifetime.</span></li>
  <li><a href="https://consideratecapital.com/embed/rmd-calculator?via=advisor-mass-retirement" target="_blank" rel="noopener" onclick="window.open(this.href,'cc-tool','scrollbars=yes,resizable=yes,left='+((screen.width-780)/2)+',top='+((screen.height-900)/2)+',width=780,height=900');return false;">RMD Calculator</a> <span>Computes the withdrawal the law requires from your retirement account this year and projects the next ten years.</span></li>
  <li><a href="https://consideratecapital.com/embed/medicare-enrollment-window?via=advisor-mass-retirement" target="_blank" rel="noopener" onclick="window.open(this.href,'cc-tool','scrollbars=yes,resizable=yes,left='+((screen.width-780)/2)+',top='+((screen.height-900)/2)+',width=780,height=900');return false;">Medicare Enrollment Window</a> <span>Dates your Medicare sign-up window to your birth month and shows what a late sign-up costs for life.</span></li>
  <li><a href="https://consideratecapital.com/embed/how-much-can-i-save?via=advisor-mass-retirement" target="_blank" rel="noopener" onclick="window.open(this.href,'cc-tool','scrollbars=yes,resizable=yes,left='+((screen.width-780)/2)+',top='+((screen.height-880)/2)+',width=780,height=880');return false;">How Much Can I Save This Year?</a> <span>Adds up how much you can put into retirement and health savings accounts this year, at your age.</span></li>
  <li><a href="https://consideratecapital.com/embed/roth-or-traditional-401k?via=advisor-mass-retirement" target="_blank" rel="noopener" onclick="window.open(this.href,'cc-tool','scrollbars=yes,resizable=yes,left='+((screen.width-780)/2)+',top='+((screen.height-900)/2)+',width=780,height=900');return false;">Roth or Traditional 401(k)?</a> <span>Compares a Roth and a traditional 401(k) contribution at the same cost to your paycheck, at the tax rates you expect now and in retirement.</span></li>
  <li><a href="https://consideratecapital.com/embed/roth-five-year-rule?via=advisor-mass-retirement" target="_blank" rel="noopener" onclick="window.open(this.href,'cc-tool','scrollbars=yes,resizable=yes,left='+((screen.width-780)/2)+',top='+((screen.height-900)/2)+',width=780,height=900');return false;">Roth Five-Year Rule Calculator</a> <span>Checks which of the Roth IRA five-year clocks have run and what a withdrawal would cost you today.</span></li>
  <li><a href="https://consideratecapital.com/embed/sell-or-keep-the-house?via=advisor-mass-retirement" target="_blank" rel="noopener" onclick="window.open(this.href,'cc-tool','scrollbars=yes,resizable=yes,left='+((screen.width-780)/2)+',top='+((screen.height-900)/2)+',width=780,height=900');return false;">Sell or Keep the House?</a> <span>Compares staying in your house with selling it and renting, year by year, at the costs and returns you expect.</span></li>
  <li><a href="https://consideratecapital.com/embed/pay-off-mortgage-or-invest?via=advisor-mass-retirement" target="_blank" rel="noopener" onclick="window.open(this.href,'cc-tool','scrollbars=yes,resizable=yes,left='+((screen.width-780)/2)+',top='+((screen.height-900)/2)+',width=780,height=900');return false;">Pay Off the Mortgage or Invest?</a> <span>Sends the same extra dollars each month down two paths, to the mortgage or into an investment, and shows where each stands when the mortgage would have ended.</span></li>
  <li><a href="https://consideratecapital.com/embed/social-security-break-even-calculator?via=advisor-mass-retirement" target="_blank" rel="noopener" onclick="window.open(this.href,'cc-tool','scrollbars=yes,resizable=yes,left='+((screen.width-780)/2)+',top='+((screen.height-900)/2)+',width=780,height=900');return false;">Social Security Break-Even Calculator</a> <span>Finds the age at which waiting to start Social Security pays off, including what the early checks could have earned.</span></li>
  <li><a href="https://consideratecapital.com/embed/spousal-benefit-calculator?via=advisor-mass-retirement" target="_blank" rel="noopener" onclick="window.open(this.href,'cc-tool','scrollbars=yes,resizable=yes,left='+((screen.width-780)/2)+',top='+((screen.height-900)/2)+',width=780,height=900');return false;">Social Security Spousal Benefit Calculator</a> <span>Shows how much Social Security a spouse can collect on the other spouse's work record, at each claiming age.</span></li>
  <li><a href="https://consideratecapital.com/embed/survivor-benefit-timing?via=advisor-mass-retirement" target="_blank" rel="noopener" onclick="window.open(this.href,'cc-tool','scrollbars=yes,resizable=yes,left='+((screen.width-780)/2)+',top='+((screen.height-900)/2)+',width=780,height=900');return false;">Survivor Benefit Timing Calculator</a> <span>Helps a widow or widower choose which Social Security benefit to take first, and when to switch.</span></li>
  <li><a href="https://consideratecapital.com/embed/social-security-earnings-test?via=advisor-mass-retirement" target="_blank" rel="noopener" onclick="window.open(this.href,'cc-tool','scrollbars=yes,resizable=yes,left='+((screen.width-780)/2)+',top='+((screen.height-900)/2)+',width=780,height=900');return false;">Social Security Earnings Test Calculator</a> <span>Shows how much Social Security holds back if you work while collecting early, and what you get back later.</span></li>
  <li><a href="https://consideratecapital.com/embed/social-security-after-divorce?via=advisor-mass-retirement" target="_blank" rel="noopener" onclick="window.open(this.href,'cc-tool','scrollbars=yes,resizable=yes,left='+((screen.width-780)/2)+',top='+((screen.height-900)/2)+',width=780,height=900');return false;">Social Security After Divorce</a> <span>Checks whether you can collect Social Security on a former spouse's record, and shows how much, while they are living and after they die.</span></li>
  <li><a href="https://consideratecapital.com/embed/social-security-taxation-calculator?via=advisor-mass-retirement" target="_blank" rel="noopener" onclick="window.open(this.href,'cc-tool','scrollbars=yes,resizable=yes,left='+((screen.width-780)/2)+',top='+((screen.height-880)/2)+',width=780,height=880');return false;">Social Security Taxation Calculator</a> <span>Works out how much of your Social Security benefit is taxed, based on your other income.</span></li>
  <li><a href="https://consideratecapital.com/embed/retirement-numbers?via=advisor-mass-retirement" target="_blank" rel="noopener" onclick="window.open(this.href,'cc-tool','scrollbars=yes,resizable=yes,left='+((screen.width-780)/2)+',top='+((screen.height-840)/2)+',width=780,height=840');return false;">The Retirement Numbers</a> <span>Puts this year's retirement figures in one place, each with the government release that set it.</span></li>
  <li><a href="https://consideratecapital.com/embed/retirement-timeline?via=advisor-mass-retirement" target="_blank" rel="noopener" onclick="window.open(this.href,'cc-tool','scrollbars=yes,resizable=yes,left='+((screen.width-780)/2)+',top='+((screen.height-900)/2)+',width=780,height=900');return false;">Your Retirement Timeline</a> <span>Turns your birth month into the dates of every age-based retirement rule that applies to you.</span></li>
  <li><a href="https://consideratecapital.com/embed/will-my-money-last?via=advisor-mass-retirement" target="_blank" rel="noopener" onclick="window.open(this.href,'cc-tool','scrollbars=yes,resizable=yes,left='+((screen.width-780)/2)+',top='+((screen.height-900)/2)+',width=780,height=900');return false;">Will My Money Last?</a> <span>Projects whether your savings will last, year by year, at the spending and assumptions you choose.</span></li>
  <li><a href="https://consideratecapital.com/embed/pension-or-lump-sum?via=advisor-mass-retirement" target="_blank" rel="noopener" onclick="window.open(this.href,'cc-tool','scrollbars=yes,resizable=yes,left='+((screen.width-780)/2)+',top='+((screen.height-900)/2)+',width=780,height=900');return false;">Pension or Lump Sum?</a> <span>Compares taking a pension as monthly checks for life with taking the lump sum offered instead.</span></li>
  <li><a href="https://consideratecapital.com/embed/real-marginal-rate-calculator?via=advisor-mass-retirement" target="_blank" rel="noopener" onclick="window.open(this.href,'cc-tool','scrollbars=yes,resizable=yes,left='+((screen.width-780)/2)+',top='+((screen.height-900)/2)+',width=780,height=900');return false;">Real Marginal Rate Calculator</a> <span>Shows what one more withdrawal really costs in tax, once Social Security and Medicare react to it.</span></li>
  <li><a href="https://consideratecapital.com/embed/roth-conversion-room?via=advisor-mass-retirement" target="_blank" rel="noopener" onclick="window.open(this.href,'cc-tool','scrollbars=yes,resizable=yes,left='+((screen.width-780)/2)+',top='+((screen.height-900)/2)+',width=780,height=900');return false;">Roth Conversion Room Calculator</a> <span>Shows how much you can move from a traditional IRA to a Roth this year before the tax rate steps up or Medicare premiums rise.</span></li>
  <li><a href="https://consideratecapital.com/embed/roth-conversion-ladder?via=advisor-mass-retirement" target="_blank" rel="noopener" onclick="window.open(this.href,'cc-tool','scrollbars=yes,resizable=yes,left='+((screen.width-780)/2)+',top='+((screen.height-900)/2)+',width=780,height=900');return false;">Roth Conversion Ladder Planner</a> <span>Plans a Roth conversion in yearly slices, each sized to the top of a tax bracket, and shows how long it takes and what it costs.</span></li>
  <li><a href="https://consideratecapital.com/embed/first-rmd-timing?via=advisor-mass-retirement" target="_blank" rel="noopener" onclick="window.open(this.href,'cc-tool','scrollbars=yes,resizable=yes,left='+((screen.width-780)/2)+',top='+((screen.height-900)/2)+',width=780,height=900');return false;">First RMD Timing Calculator</a> <span>Compares taking your first required withdrawal in its own year with delaying it to April 1 and taking two the following year.</span></li>
  <li><a href="https://consideratecapital.com/embed/72t-payments-calculator?via=advisor-mass-retirement" target="_blank" rel="noopener" onclick="window.open(this.href,'cc-tool','scrollbars=yes,resizable=yes,left='+((screen.width-780)/2)+',top='+((screen.height-900)/2)+',width=780,height=900');return false;">72(t) Payments Calculator</a> <span>Computes the yearly withdrawal you can take from a retirement account before 59½ without the early-withdrawal penalty.</span></li>
  <li><a href="https://consideratecapital.com/embed/qcd-or-cash-gift?via=advisor-mass-retirement" target="_blank" rel="noopener" onclick="window.open(this.href,'cc-tool','scrollbars=yes,resizable=yes,left='+((screen.width-780)/2)+',top='+((screen.height-900)/2)+',width=780,height=900');return false;">QCD or Cash Gift?</a> <span>Compares giving to charity by writing a check with giving straight from an IRA, and shows which saves more.</span></li>
  <li><a href="https://consideratecapital.com/embed/illinois-retirement-income-tax?via=advisor-mass-retirement" target="_blank" rel="noopener" onclick="window.open(this.href,'cc-tool','scrollbars=yes,resizable=yes,left='+((screen.width-780)/2)+',top='+((screen.height-880)/2)+',width=780,height=880');return false;">Illinois Retirement Income Tax</a> <span>Computes the Illinois income tax on a retirement income, showing what Illinois leaves alone and what it taxes.</span></li>
  <li><a href="https://consideratecapital.com/embed/irmaa-calculator?via=advisor-mass-retirement" target="_blank" rel="noopener" onclick="window.open(this.href,'cc-tool','scrollbars=yes,resizable=yes,left='+((screen.width-780)/2)+',top='+((screen.height-760)/2)+',width=780,height=760');return false;">IRMAA Calculator</a> <span>Finds the Medicare premium tier your income lands in and what it costs for the year.</span></li>
  <li><a href="https://consideratecapital.com/embed/irmaa-appeal-checker?via=advisor-mass-retirement" target="_blank" rel="noopener" onclick="window.open(this.href,'cc-tool','scrollbars=yes,resizable=yes,left='+((screen.width-780)/2)+',top='+((screen.height-900)/2)+',width=780,height=900');return false;">IRMAA Appeal Checker</a> <span>Checks whether you can ask Medicare to base your premium on this year's income instead of a return from two years ago.</span></li>
  <li><a href="https://consideratecapital.com/embed/widows-penalty-calculator?via=advisor-mass-retirement" target="_blank" rel="noopener" onclick="window.open(this.href,'cc-tool','scrollbars=yes,resizable=yes,left='+((screen.width-780)/2)+',top='+((screen.height-900)/2)+',width=780,height=900');return false;">Widow's Penalty Calculator</a> <span>Shows how much more federal tax a surviving spouse pays on the same household income after the joint return ends.</span></li>
  <li><a href="https://consideratecapital.com/embed/long-term-care-cost-projection?via=advisor-mass-retirement" target="_blank" rel="noopener" onclick="window.open(this.href,'cc-tool','scrollbars=yes,resizable=yes,left='+((screen.width-780)/2)+',top='+((screen.height-900)/2)+',width=780,height=900');return false;">Long-Term Care Cost Projection</a> <span>Projects what a period of long-term care could cost by the time you need it, and what set aside today would cover it.</span></li>
  <li><a href="https://consideratecapital.com/embed/inherited-ira-rules?via=advisor-mass-retirement" target="_blank" rel="noopener" onclick="window.open(this.href,'cc-tool','scrollbars=yes,resizable=yes,left='+((screen.width-780)/2)+',top='+((screen.height-880)/2)+',width=780,height=880');return false;">Inherited IRA Rules</a> <span>Tells you which withdrawal rule applies to a retirement account you inherited, and by what year it must be empty.</span></li>
</ul>
<p class="cc-quiet-tools-note">Calculators from <a href="https://consideratecapital.com/tools?via=advisor-mass-retirement">Considerate Capital</a>. Educational estimates from the public rules, not advice; each opens in its own window with the sources and terms.</p>

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In plain words
Every tool opens with a plain-English line on what it does and where it stops, so visitors use it without help and know its limits.

Built by Joshua Mangoubi, CFA, MBA. Joshua is a financial adviser who likes building things that help people think clearly about money. We hope these are useful to you and your clients. The tools are educational estimates from primary sources, not advice. Corrections are welcome through the contact page.

Terms. Cite any page, quote any figure with the year attached, or use the links above with the attribution left as it is. No reciprocal link, ever. All 19 professional shelves.