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Calculators · Interactive Tools

Five minutes with a calculator
saves five years of regret.

A working library of the math that drives retirement decisions. Every assumption is editable. Every formula is the one your advisor would use on the phone.

Choose a Calculator

What do you want to model?

01 · Fee Impact

Fees & Fund Growth

See the real lifetime cost of a 1% fee on a 403(b), 401(k), or IRA account over decades.

02 · Retirement Shortfall

Am I Saving Enough?

Enter savings, contributions, and spending — find out if you will run out and when.

03 · RMD Calculator

Required Minimum Distribution

Your RMD at age 73+ based on IRS Uniform Lifetime Table (2026 factors).

04 · Social Security Breakeven

Claim at 62, FRA, or 70?

Calculate the breakeven age for delaying benefits — when does waiting pay off?

05 · Life Insurance Needs

DIME Method

Debt + Income replacement + Mortgage + Education — how much coverage you need.

06 · Pension Max

Full Pension-Max Model →

Our full CalSTRS/CalPERS pension-maximization calculator with age factors & life insurance comparison.

Fee & Fund Growth

Model how a 1% fee compounds against you over the accumulation years.
$500
0%
7%
25 yrs
$25,000
1.0%
Lifetime Cost of Fees
$0
What the fee takes from you over 25 years.
With Fee
$0
Without Fee
$0
Total Contributed
$0
Monthly Income @ 4%
$0
Verdict
Adjust the fee slider to see the real cost of actively-managed funds vs. low-cost index funds.
Balance Over TimeWITH FEE · WITHOUT FEE
With Fee
No Fee

Retirement Shortfall

Project your nest egg and see what monthly income it sustains.
45
65
$100,000
$12,000
7%
$6,000
Projected at Retirement
$0
Nest egg at age 65.
Years to Go
20
4% Monthly Draw
$0
Total Contributed
$0
Gap vs. Goal
$0
Verdict
Ready — on track.

Required Minimum Distribution

RMDs start at 73 (born 1951–59) or 75 (born 1960+). Uniform Lifetime Table factors.
73
$500,000
Your RMD This Year
$0
Using Uniform Lifetime Table factor 26.5.
Monthly Equivalent
$0
Penalty if Missed
25%
Reminder
First-year RMD can be delayed to April 1 of the following year, but that creates a double-RMD year. Most advisors recommend taking it in year one.

Social Security Breakeven

Full Retirement Age (FRA) is 67 for most. Delayed credits = 8%/yr to age 70. Early claim = ~30% haircut at 62.
$3,000
85
Lifetime Total at Age 85
Claim at 62
$0
Claim at 67 (FRA)
$0
Claim at 70
$0
Optimal Strategy
—

Life Insurance Needs (DIME)

Debt + Income replacement + Mortgage + Education = target death benefit.
$30,000
$85,000
10
$350,000
$80,000
Recommended Coverage
$0
DIME method target death benefit.
D · Debt
$0
I · Income × Yrs
$0
M · Mortgage
$0
E · Education
$0
Next Step
Level Term is usually the most cost-effective for pure income replacement. Permanent coverage (WL/VUL) comes into play for estate planning and LTC-linked riders.
Pension Maximization — Dedicated Tool

The full CalSTRS/CalPERS pension-maximization calculator.

Age factor tables, beneficiary reductions, COLA-compounded forfeiture, and life insurance crossover comparison.

Open Pension-Max Calculator →