Calculators

Retirement Calculators

Federal, military, and specialty retirement calculators — plus every U.S. state and teacher pension system we’re adding next — all free, no signup.

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state/agency systems planned

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Federal & specialty retirement calculators

Live now — built and tested against the actual government and IRS formulas, not a generic estimate.

FERS Retirement Calculator

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Estimate your FERS annuity from your High-3 salary, years of service, and retirement age.

How Long Will My Retirement Savings Last

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See how many years your savings will last at your withdrawal rate, adjusted for inflation and taxes.

Retirement Tax Calculator

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Estimate federal tax on pensions, withdrawals, and Social Security, plus your quarterly payment.

Military Retirement Calculator

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Calculate retired pay under Legacy High-3, BRS, Reserve points, or Chapter 61 disability rules.

Bitcoin Retirement Calculator

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Project your BTC holdings’ value at retirement under a growth rate you choose.

TSP Retirement Calculator

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Project your Thrift Savings Plan balance, including the real agency match formula.

Railroad Retirement Calculator

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Estimate your Tier I and Tier II railroad retirement annuity, including the 30-year rule.

FIRE & Coast FIRE Calculator

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Find your FIRE number and the smaller Coast FIRE number you need saved today.

Days to Retirement Calculator

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Get your exact retirement date, a live countdown, and your Social Security full retirement age.

State & teacher pension calculators

Every U.S. state and major public pension system, launching on a rolling basis.

Soon APERS (Arkansas) Soon ASRS (Arizona) Soon CTA (Chicago Transit) Soon CalPERS (CA public employees) Soon CalSTRS (CA teachers) Soon ERS (state employees, general) Soon GRB (NYC) Soon IPERS (Iowa) Soon KPERS (Kansas) Soon LAUSD (LA teachers) Soon MA Commonwealth Soon MTRS (MA teachers) Soon NC ORBIT Soon NC Retirement System Soon OCERS (Orange County, CA) Soon PERA (Colorado/New Mexico) Soon PSERS (Pennsylvania) Soon PSRS (Missouri teachers) Soon RSA (Alabama) Soon SCERS (Sacramento, CA) Soon STRS (Ohio teachers) Soon Sacramento County Soon Alabama Soon California Soon Connecticut Soon Georgia Soon Kentucky Soon Massachusetts Soon Maryland Soon Missouri Soon North Carolina Soon New Jersey Soon New York Soon Ohio Soon Oklahoma Soon South Carolina Soon Tennessee Soon Texas Soon Virginia Soon Wisconsin Soon West Virginia Soon Wyoming Soon TCRS (Tennessee) Soon TRS (state teachers, general) Soon TRS Illinois Soon TRSL (Louisiana) Soon UC Retirement System Soon VERA (federal early retirement) Soon WRS (Wisconsin) Soon General / other state systems

From the blog

Deep dives to help you get more out of every calculator above.

Comparison

Dave Ramsey vs. Boldin vs. Fidelity: Which Retirement Calculator Should You Actually Use?

Three tools, three very different assumptions baked in before you type a single number.

Templates

Retirement Planning in a Spreadsheet: Free Excel & Google Sheets Templates

The exact formulas behind our calculators, laid out in a spreadsheet you can download and edit.

Divorce & LegalComing soon

How Retirement Income Affects Spousal Support After Divorce

How pensions, 401(k)s, and Social Security factor into spousal support calculations.