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However, I did not attempt to verify results mathematically. I’ve run each of the programs below, in some form, and worked with many of them extensively.

In general, I wanted to see established companies or well-known individuals who could support their tools, with ongoing development, and an established user base, if possible.

I gave weight to reputation and precedent.

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Conversely, I did not include tools targeted at professional advisors (with price tags to suit), or tools that were obvious loss-leaders for other bundled financial services (conflict of interest), or tools that were highly-technical or research-oriented.

(It is assumed that readers of this blog have at least a minimum of financial sophistication.)

I did not include a few well done but overly simplistic tools, intended for those with no financial experience.

Each calculator chosen needed to offer some unique value - either in its user interface, its approach, or its analytical power.

I was looking for something beyond trivial time-value-of-money analysis.

(Not every tool on the list is that general, but most are.)

I favored general-purpose tools that take a set of financial inputs and model them over time - suitable for traditional pre- and post-retirement, or early-retirement scenarios.

So, how did I choose them? Here are my criteria: Only about one out of every three calculators made it onto my list. Social Security & Retirement Financial Modeling Outputs success rate and list of failing time periods. Input retirement length, expenses, asset allocation. Computes savings/contributions needed to fully fund plan. (Requires signup.)įinancialMentor Ultimate Retirement Calculator Finally, I’ve included the link to each calculator so you can easily try it out for yourself: Just click on the name. And you can search or filter by simply typing into the Search box at the top right. Note that you can sort the list below in different ways by clicking on the double-headed arrow at the top of any column. (You may want to bookmark this page for future reference.) So programs will come and go, but the list below will always represent my current recommendations. Some older calculators may become obsolete. My plan is to keep this list updated going forward. Here is my solution: Rather than attempt to compare or validate so many calculators in-depth, I’m offering a “curated” list below of what I consider to be the best available calculators, along with key data to help you choose the right one(s) for your situation. So, how should I go about evaluating all of these options? A Curated List of The Best Retirement Calculators I know many people come here for guidance about them.

Yet retirement calculators are a core topic of this blog.

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Unfortunately, it just isn’t realistic for me to perform in-depth reviews on that many software programs. Altogether, I have a database of information on 56, 79, now 82 retirement and financial modeling tools! So I’ve since cataloged dozens of additional retirement calculators - every general-purpose, publicly-available tool that I hear about. And, I’ve continued to read, and experiment, and hear from readers. An Overwhelming Taskīut the universe of retirement planning tools has not stood still since I wrote those initial articles.

Thousands of people have read these articles and, I hope, been motivated to analyze and better understand their own retirement trajectories.

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And it’s why the review I wrote of the three best free retirement calculators, and a follow-up comparison of five free retirement calculators, have been among the most popular posts on this site. That’s why retirement calculators are important. But, if you get this decision wrong, you could run out of money for healthcare or other essentials in your old age, or you could waste years of your life doing unnecessary or unenjoyable work. If you get this decision right, you can enjoy more of the freedom and fulfillment that everybody wants out of a complete human life. What’s so important about retirement calculators? Why are these tools of more than just technical interest? Well, they’re important because either you, or a financial planner, will use the results from a retirement calculator to make one of the most crucial decisions of your life: Are you financially independent yet, or not?