Free retirement calculators.
Four calculators for the questions people ask before and after they retire: when can I stop working, should I move money to a Roth, which dates change the rules for me, and how big is my required distribution. All are free and need no account; the first two use the same planning engine as Runway.
Retirement countdown calculator
When can I retire?
Enter your age, the age you would like to retire, your savings, what you add each year and what you spend. It simulates 400 market histories for every year you could retire and gives the earliest month at 85%, 90% and 95%.
Sample result: age 58, $1,200,000 saved, $30,000 added a year, $70,000 spent a year. The earliest month at 90% is October 2029 (85%: October 2028; 95%: March 2031), as of October 31, 2026.
Your numbers are used to run the simulation and are not stored.
Open the countdown calculatorRoth conversion calculator
Does converting to a Roth pay off?
Enter your balance, the amount to convert, your tax rate now and at withdrawal, and how long it grows. It shows the break-even rate and the dollar difference, and whether paying the tax from outside savings changes the answer.
Sample result: a $100,000 conversion at 22% now versus 24% at withdrawal, 15 years at 7% growth, saves an estimated $5,518 in lifetime taxes.
Runs in your browser. Nothing is sent unless you email yourself the results.
Open the Roth calculatorKey retirement dates calculator
Which dates change my options?
Enter your date of birth. It lists when the 10% extra tax on early withdrawals stops applying, your earliest Social Security month and full retirement age, your Medicare enrollment window, and when required withdrawals begin, each with its official source.
Sample result: born June 15, 1968: 59½ on December 15, 2027, earliest Social Security in July 2030, Medicare enrollment opens March 1, 2033, required withdrawals begin in 2043 at 75.
Runs in your browser. Your date of birth is not sent anywhere.
Open the key dates calculatorWhich calculator should I use?
| Your question | Calculator | You enter | You get |
|---|---|---|---|
| When can I stop working? | Retirement countdown | Age, savings, yearly saving, spending | The earliest month at 85%, 90% and 95% |
| Should I move pre-tax money to a Roth? | Roth conversion | Balance, amount, tax rate now and later, years, growth | Break-even tax rate and the dollar difference |
| How big is my required distribution? | RMD calculator | Date of birth, December 31 balance | This year's RMD, the first deadline and a schedule |
| When do 59½, Social Security, Medicare and RMDs start for me? | Key retirement dates | Date of birth, optionally the age you plan to stop | Every date, with sources, and a calendar file |
They fit together. The years between your retirement date and your first required withdrawal are often the best window to convert, so the date from the first calculator tells you when that window opens for the second. The key dates calculator shows where that window ends: the year required withdrawals begin.
RMD calculator
How big is my required minimum distribution?
Enter your date of birth and your balance on December 31 of last year. It gives your RMD for the year from the IRS Uniform Lifetime Table, when your first one is due, what waiting until April 1 does, and a year-by-year schedule.
Sample result: a $1,000,000 balance at 75 (distribution period 24.6) gives an RMD of $40,650.41, 4.07% of the balance.
Runs in your browser. Your date of birth and balance are not sent anywhere.
Open the RMD calculatorData: earliest retirement date by age, savings and spending
Want to see where a round-number household lands without entering anything? The retirement date data table runs 150 households (ages 55 to 65, $500,000 to $3,000,000 saved, $40,000 to $120,000 spent) through the countdown calculator's engine, and shows the most each could spend and still retire today. Free to use, with CSV downloads.
Open the data tableThese are the quick versions
Runway runs your real accounts, your spouse, state tax, pensions and health costs, and shows what moves your date and which Roth conversion fits your plan.
See your full plan freeFree to start. No credit card needed. Includes a 7-day Pro trial.