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Free retirement tools
Welcome. Most people arrive with one specific question: when to claim Social Security, how big an RMD will be, whether a move would save tax. Each tool below answers one of those in seconds, for free, without an account. Nothing you type is stored; your inputs stay in the page address so you can bookmark or share a result.
By Mindaugas Laucius · Last reviewed October 21, 2026
Where are you?
3 tools fit “Retiring early (before 59½)”. Their groups come first, and the tools are outlined. Show all equally
Retiring early
- Fits your stageHealth insurance before 65What will health insurance cost until Medicare at 65?Estimate COBRA and ACA marketplace costs from early retirement to Medicare at 65, with 2026 premium tax credits, the 400%-of-poverty cliff, and how extra income changes the bill.Open tool
- Fits your stageRule of 55 + 72(t)Can I take money out before 59½ without the 10% penalty?Check whether the Rule of 55 covers your 401(k), and calculate 72(t) substantially equal payments by the RMD and fixed amortization methods from the IRS Single Life Table.Open tool
Taxes
- Fits your stageRoth conversion headroomHow much can I convert to Roth before the next bracket or IRMAA tier?Find how much you can convert to a Roth in 2026 before hitting the next federal bracket or Medicare IRMAA tier, with the $6,000 senior deduction and its phase-out included.Open tool
- State tax comparisonHow much would I save, or pay, in state tax by moving in retirement?Compare 2026 state income tax on your pension, IRA withdrawals and Social Security between any two states, with each state's rules, retiree exclusions and verification date.Open tool
Social Security & Medicare
- Social Security break-evenWhen does waiting to claim Social Security pay off?Compare claiming Social Security at 62, full retirement age or 70 by birth year: monthly checks, lifetime totals in today's dollars, and the age each later claim catches up.Open tool
- IRMAA calculatorWill I pay a Medicare surcharge, and can I appeal it?See your 2026 Medicare IRMAA tier from your 2024 income, the Part B and Part D surcharge per person, how far you are from the next tier, and whether an SSA-44 appeal could lower it.Open tool
Withdrawals
- RMD calculatorHow much must I withdraw for my RMD, and by when?Find your required minimum distribution start age (73 or 75 by birth year), this year's RMD from the IRS Uniform Lifetime Table, the April 1 first deadline, and a 10-year projection.Open tool
- How long will my money last?Will my savings last at this level of spending?Run 10,000 simulated market futures on your savings, spending and Social Security to see the chance your money lasts to 85, 90 and 95, and the spending that gives 90% odds.Open tool
When you want the full picture
The tools answer single questions. The free calculator puts them together:
- Your whole household: two earners, two Social Security claim ages, savings and spending in one plan
- 10,000 market futures from 1928–2025 history, with the odds your money lasts
- Federal tax, Medicare premiums and required withdrawals year by year
- Specific fixes when the odds are low: save more, retire later, or spend less
Go deeper
- Retirement scenarios: what retiring at 45 to 65 with $250,000 to $1.5 million looks like.
- State retirement-tax guides: how each state treats pensions, IRAs and Social Security.
- The 2032 Social Security research: what a 22% benefit cut does to the odds in 60 households.
- Does Your State Tax Your Retirement Income? The 2026 Map — and Why It Belongs in Your Plan
- Do You Already Have Enough to Retire? Many People Do — They Just Haven't Run the Numbers
- What is the 4% rule, and is it still right in 2026?
- Sequence-of-returns risk: the math that breaks retirement plans
Pro and Couples
The tools and the calculator are free for good. If you want a plan that keeps itself current, there are two optional upgrades.
Pro
A living retirement plan that talks to you every month.
- Everything in Free
- Plan Pulse — monthly delta email
- Tax Calendar with email reminders
- Plan Copilot — AI Q&A grounded in your plan
- Bracket Watchlist — IRMAA + tax alerts
- Compare plans side-by-side
- Sequence-of-returns stress test
- Roth ladder + withdrawal-order optimizers
- Unlimited PDF exports
Couples
One shared, living plan for you and your partner.
- Everything in Pro
- Two-person household account
- Social Security timing optimizer
- Joint & survivor analysis
- Healthcare bridge
- Dependent-care cost forecasts
- “His, Hers & Ours” scenario studio
- Legacy & estate planning view
- Priority Support
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Questions
Are these tools really free?
Yes. Every tool here is free to use with no account, no email and no bank linking. Yearfold earns money from optional Pro and Couples plans and a $9.99 PDF report, not from these tools.
Do you store what I type?
No. The tools run in your browser. Your inputs stay in the page address (so you can bookmark or share a result) and are never saved to our servers. We count anonymous usage, such as how often a tool is opened, without cookies and without recording your numbers.
How current are the rules?
Each tool shows the date its rules were last checked against SSA, IRS, CMS and other primary sources, and lists those sources. Several figures change every year; we review the tools when the new amounts are published.
How is a tool different from the full calculator?
A tool answers one question with only the inputs that question needs. The full calculator models your whole household across 10,000 simulated market futures, and many tools can hand their inputs to it with one click.
Is this financial advice?
No. The tools are educational estimates based on published rules and the assumptions shown. They don't know your full situation, so check important decisions with a qualified professional.
Yearfold is a financial-education tool. It is not a registered investment adviser and does not provide personalized investment, tax, or legal advice. Results are probabilistic projections based on historical data and stated assumptions; they are not guarantees. Methodology