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    Retirement Calculators

    Will money last?

    Empower (free)

    • Free Retirement Planner.
    • Monte Carlo simulations.
    • Confidence score.
    • Best free tool.
    • Senior peace.
    • Connect accounts.

    Fidelity Retirement Score

    • Free Fidelity tool.
    • Quick estimate.
    • Color-coded.
    • Don't need Fidelity account.
    • Senior simple.
    • Good first check.

    FIRECalc

    • Free historical simulator.
    • Tests your plan.
    • 1871-present data.
    • Senior conservative.
    • Worst-case scenarios.
    • Trusted by retirees.

    cFIREsim

    • Similar to FIRECalc.
    • More options.
    • Free.
    • Senior detailed.
    • Variable spending.
    • Power user.

    4% rule

    • Withdraw 4%/yr.
    • $1M = $40k.
    • Adjusts for inflation.
    • Studies show 30-yr safe.
    • Senior rule of thumb.
    • Conservative.

    When to see advisor

    • Calculators say uncertain.
    • Complex tax situation.
    • Estate planning.
    • Fee-only fiduciary.
    • NAPFA.org find one.
    • Senior worth $200/hr.

    Free Empower = senior peace

    Free Empower Retirement Planner + free FIRECalc = best senior money projection. Connect accounts, see scenarios, confidence score. Most senior anxiety is unknown. These free tools answer "will I run out?" with data. Run yearly.