5 Best Retirement Calculators Which Are Totally Free

Early retirement is a fun aspirational goal. Planning for retirement is challenging. One needs to make a set of assumptions for more than 30 years in the future.

Calculating how to generate retirement income from several accumulated income producing assets is not easy. Each of the assets would have a different expected return.

Best Retirement Calculator Selection Criteria To meet our retirement goal, we need to have income more than or equal to our expected expenses.

Pros: 1. The early retirement calculator is highly customizable, and you can modify the expected rate of returns for each asset class.

Early Retirement Now Calculator

2. If your portfolio has small-cap value stocks, the calculator includes the Fama-French Style Factors returns. 3. Lists the historic returns of each asset class on an annual basis. 4. Incorporates CAPE based rules to determine Safe Withdrawal Rates.


1. You do need to spend time reading the entire series to utilize the calculator optimally. 2. Expense ratios of your funds are not taken into consideration. The calculator has a single expense ratio, which can be customized. 3. No ability to add Social Security income or additional lumpy one time retirement expenses.

Engaging Data Post-Retirement Calculator The Engaging Data Post retirement calculator is unique because of the way it approaches retirement. Most calculators optimize for the scenario of not running out of money.

The post-retirement calculator uses the average social security mortality credits to calculate the probability of death. The calculator might seem morbid, but it provides a great reminder to step off the hedonistic treadmill.

The retirement calculator looks at the question of whether your retirement savings can last long enough to support your retirement spending.

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