Retirement Calculators
Will my money last?
SSA.gov calculator
FREE. Most accurate Social Security estimate. Uses your real earnings record.
AARP retirement calculator
FREE. aarp.org/retirement. Senior-friendly inputs.
Vanguard retirement income
FREE. vanguard.com. Models running out of money risk.
FIRECalc
FREE. firecalc.com. Tests against 100+ years of historical market data.
4% rule basics
Withdraw 4% of nest egg first year. Adjust for inflation. Most plans last 30+ years.
Get a fiduciary
Look for fee-only fiduciary advisors. They legally must work in your interest.
Quick Tip: Run calculators yearly. Adjust spending if numbers shift.