This page is for anyone trying to answer one real question: will my retirement savings actually get me where I want to go. Ten calculators cover both sides of that question, growing and protecting what you have now (401(k) and Solo 401(k) contributions, required minimum distributions, the 3.8% Net Investment Income Tax), and spending it once you stop working (Social Security timing, a real withdrawal runway, and whether your money outlasts you).
Start with the goal picker above so the calculators below carry your priority with them, then open Will I Outlive My Money? for the single clearest stress test, and Social Security Break-Even if you have not yet decided when to claim, since that decision changes every other number on this page.
Your goal carries over to every calculator below, in this browser, until you change it. Pick again anytime.
How we source our numbers: every calculator on this page uses current government or published-standard figures, not a guess. The full method for each one, and how we correct a number when it changes, is on our methodology page; our sourcing and correction rules are on our editorial policy page. Reviewed September 2026.
Limits are set annually by the IRS and differ for an employee 401(k) versus a Solo 401(k), which allows both an employee and employer-side contribution. The IRS 401(k) contribution limits page and IRS one-participant 401(k) plans page are what the 401(k) and Solo 401(k) calculators use.
Required minimum distributions start at the age set by federal rule, and the penalty for missing one is real. The Treasury/IRS final RMD rule is what the RMD calculator is built against.
Planning to the average is planning to run out of money half the time, since half of people live longer than average. The Social Security Administration's own longevity data is the source the Life Expectancy and Will I Outlive My Money calculators use, and both let you plan past the average on purpose.
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