Free retirement planning tools
Free tools for retirement planning that name every assumption, source every figure to the IRS or the SSA, and tell you plainly what the result does not mean. No account, and the numbers you type never leave your browser.
A 2026 required minimum distribution
2026 · verified$500,000 ÷ 26.5
26.5 is the IRS Uniform Lifetime Table factor for age 73.
Example: age 73, $500,000 across traditional IRA and 401(k) on Dec 31, 2025. Deadline December 31, 2026.
Open the full RMD calculator →Every factor, limit and threshold traces to the IRS, the SSA or CMS, with the year it applies to and the date it was last checked. Never to another retirement blog.
Every projection runs on your device. What you type is never sent to Tweed, because there is nowhere for it to go. Tweed counts page visits with Google Analytics, which sees the page you are on and not a single field on it.
If a projection depends on a return rate, that rate is on the screen with its source next to it, and changing it takes one click.
Free calculators for the retirement decisions that carry a real date, a real penalty, or a real tax bill.
RMD calculator
This year’s required minimum distribution, with the Uniform Lifetime Table factor it used shown on the page.
Open →Roth conversion calculator
What a conversion costs in tax now, including the pro-rata rule and the Medicare bracket it might push you into.
Open →Retirement calculator
What today's savings support in retirement, in today's dollars and in nominal ones.
Open →Annuity calculator
What a given premium actually pays per month, and what you give up to get it.
Open →Dividend calculator
What a portfolio yields, and what reinvesting it compounds to.
Open →CD calculator
What a term and a rate come to at maturity, before and after tax.
Open →Put your numbers into most retirement calculators and you get a large, encouraging balance. What you usually do not get is the return assumption behind it, whether that return is before or after inflation, or what the same number looks like if the assumption is one point lower.
A default return rate is not a neutral choice. It is a claim about the future, made on your behalf, by someone who will not be affected if it turns out wrong. Almost nobody changes a default, so for most readers the default is the answer.
How these calculators work →Plain-English guides to the retirement rules that carry deadlines and penalties. Every figure cited to the IRS, the SSA or CMS.
Traditional IRA
What is a traditional IRA?
Read →Roth IRA
The key differences between a Roth and traditional IRA
Read →Roth IRA
6 best Roth IRA accounts
Read →Tweed's calculators and guides are written by Nicolas Straut, a personal and business finance writer and former Forbes contributor. He has spent eight years writing about money and building content for fintech companies including NerdWallet and North One Business Banking.
He is not a financial advisor and not retired, so Tweed makes no claim to know what drawing down a portfolio feels like. What it does claim is narrower and checkable: read the primary document, do the arithmetic correctly, and show both.
More about Tweed, including how it makes money →Start planning with real numbers