Retirement & Social Security Calculators

Tools for retirement income planning: 401(k) and IRA withdrawals, Required Minimum Distributions, Roth conversions, Social Security claiming, pension lump-sum decisions, inherited IRA strategies.

Senior couple walking on a beach at sunset — representing retirement income planning and the Social Security claiming decision — Photo by Patrick Schneider on Unsplash

Retirement Withdrawal Calculator

Calculate taxes on 401(k) and IRA withdrawals including early withdrawal penalties and Social Security interaction.

401(k) Withdrawal Tax Calculator

IRA Withdrawal Tax Calculator

Retirement Income Planner

Calculate total tax on combined retirement income: Social Security, pension, 401(k)/IRA, and part-time work. Find the best state.

RMD Calculator

Calculate this year's required minimum distribution using real IRS Uniform Lifetime, Joint Life, and Single Life tables.

RMD Forecaster

Year-by-year RMD projection using the IRS Uniform Lifetime Table. Compare a Roth conversion ladder vs do-nothing.

Retirement Withdrawal Sequencer

Compare conventional, proportional, and strategic bracket-filling withdrawal strategies. Save $50K-$200K+ over a 30-year retirement.

Social Security Tax Calculator

Calculate how much of your Social Security is taxable. See federal 0/50/85% thresholds and which states tax SS benefits.

Social Security Claiming Age Optimizer

62 vs 67 vs 70 break-even analysis using actual SSA reduction and delayed retirement credit formulas.

Pension Lump Sum vs Annuity Calculator

Probability-weighted NPV, implied IRR, and break-even analysis for the lump-sum-vs-monthly-annuity pension decision.

Inherited IRA Calculator

SECURE Act 10-year rule distribution planner. Compares even-annual, defer-to-year-10, and strategic bracket-fill strategies.

401(k) Calculator

Roth vs Traditional 401(k) Calculator

Real bracket math comparing Roth and Traditional 401(k) using current and projected retirement marginal rates.

HSA Triple-Tax-Advantage Calculator

Quantify the triple HSA tax advantage plus FICA savings. Compare HSA to Traditional 401(k), Roth IRA, and taxable.

About these calculators

Retirement income is taxed differently from wages: no FICA, but Social Security benefits become taxable above provisional-income thresholds, required minimum distributions start at 73 or 75, and a withdrawal's cost depends on everything else on the return that year. These calculators model those interactions rather than applying a flat rate.

The 401(k) and IRA withdrawal calculators show the federal and state tax, the 10% early-withdrawal penalty and its exceptions, and how much extra Social Security a withdrawal makes taxable. The RMD calculator and forecaster use the IRS Uniform Lifetime Table. The Social Security tools cover the 0/50/85% taxation tiers and the claim-at-62-versus-70 break-even. The Roth vs Traditional, HSA, pension and inherited-IRA tools cover the decisions that are made once and matter for decades.

Common questions

How much tax will I pay on a 401(k) or IRA withdrawal?

It is ordinary income, taxed at whatever federal bracket it lands in once added to your other income, plus state tax in most states, plus 10% if you are under 59½ with no exception. A $50,000 withdrawal costs a retiree with $30,000 of other income roughly $8,000 of federal tax in 2026; the same withdrawal at 50 costs about $13,000 with the penalty.

Which states don't tax retirement income?

The nine states with no income tax, plus Illinois, Mississippi and Pennsylvania, which exempt qualified retirement distributions. Many others exclude a fixed amount for retirees over a certain age; each state page describes its rule.

When do RMDs start?

Age 73 for anyone born 1951–1959, 75 for those born in 1960 or later. The first one can be delayed to April 1 of the following year. Roth IRAs have no lifetime RMDs.

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The Take-Home Tax Guide

Weekly tips on reducing your tax burden, state tax changes, and salary negotiation strategies. Free.