Plan your retirementwith precision.
Model your nest egg, compare Roth vs Traditional, project RMDs, estimate Social Security, and stress-test withdrawal strategies — all with live math and zero spreadsheets.
Based on your savings rate, balance, and trajectory — you're projected to cover 94% of pre-retirement income.
Picture the life you are planning for.
Explore different scenarios for the years ahead.
The retirement calculator
Project your nest egg, retirement income, and how long it will last. Every input updates the projection in real time.
Your inputs
Projected nest egg at 67
+32 yrs of growthFrom $576,000 in total contributions (incl. $192,000 employer match).
401(k) growth calculator
See the power of an employer match — and what it costs to leave it on the table.
Inputs
Roth vs Traditional IRA
Same contribution, different tax timing. See which one leaves more in your pocket after taxes.
Inputs
Traditional IRA
WinnerRoth IRA
Your current tax rate (24.0%) is higher than your expected retirement rate (18.0%) — defer the tax and save $2,280.
Required Minimum Distribution (RMD)
Once you turn 73, the IRS requires annual withdrawals from pre-tax accounts. Use the official Uniform Lifetime Table.
Inputs
Projected RMDs — next 10 years
Assumes 5% account growth annually.
| Age | Factor | RMD | Balance |
|---|---|---|---|
| 75This yr | 24.6 | $20,515 | $504.7K |
| 76 | 23.7 | $21,461 | $508.6K |
| 77 | 22.9 | $22,351 | $511.8K |
| 78 | 22.0 | $23,371 | $514.2K |
| 79 | 21.1 | $24,431 | $515.5K |
| 80 | 20.2 | $25,533 | $515.8K |
| 81 | 19.4 | $26,544 | $515.0K |
| 82 | 18.5 | $27,723 | $512.9K |
| 83 | 17.7 | $28,788 | $509.5K |
| 84 | 16.8 | $30,041 | $504.7K |
Social Security estimator
Claiming at 62 vs 70 can mean a 77% difference in monthly benefits. See your break-even age and cumulative payout.
Inputs
Cumulative benefits — break-even analysis
Retirement income planner
Stack every income source and see if your plan covers your target — or if there's a gap to fill.
Income sources
Retirement readiness score
A composite 0–100 score combining savings rate, balance, debt, diversification, and planning.
Your factors
Retirement milestones tracker
Key ages that unlock contributions, withdrawals, benefits, and requirements. Click any card to see details.
Social Security eligible
Claim reduced benefits — permanently ~30% lower.
Retirement account comparison
2025 contribution limits, income caps, tax treatment, and withdrawal rules across every major account type.
| Account | 2025 limit | Catch-up (50+) | Tax treatment | Income limit | Withdrawal rules | RMD |
|---|---|---|---|---|---|---|
| 401(k) | $23,500 | $7,500 | Pre-tax | None | 59½, RMD at 73 | |
| Traditional IRA | $7,000 | $1,000 | Pre-tax | $87K–$103K | 59½, RMD at 73 | |
| Roth IRA | $7,000 | $1,000 | After-tax | $150K–$165K | Contributions anytime | |
| Roth 401(k) | $23,500 | $7,500 | After-tax | None | 59½, 5-yr rule | |
| 403(b) | $23,500 | $7,500 | Pre-tax | None | 59½, RMD at 73 | |
| 457(b) | $23,500 | $7,500 | Pre-tax | None | Anytime after separation | |
| SEP-IRA | $70K (25%) | — | Pre-tax | None | 59½, RMD at 73 | |
| SIMPLE IRA | $16,500 | $3,500 | Pre-tax | None | 59½, RMD at 73 |
Withdrawal strategy simulator
Will your nest egg outlast you? Compare 4% rule, dynamic, bucket, and percentage-of-portfolio strategies.
Inputs
Balance over retirement
4% ruleRetirement readiness checklist
Twelve foundational steps to a complete retirement plan. Toggle each as you complete it.
Foundations
Savings
Estate
Insurance
Strategy
Secure your retirement
Plan smarter. Retire richer.
Market Securities brings every retirement account under one roof — 401(k), IRA, Roth, and brokerage — with the calculators above built in.