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Free Retirement Calculator And Planning Tools

Our highly sophisticated, realistic Retirement Planning Calculator is completely free. With Retirement Planner, you’ll know exactly where you stand relative to your retirement goals. Now you can build, manage, and forecast your retirement plan in one convenient location.

Start Planning For Free

Assess Your Retirement Readiness

Using your actual financial data from the accounts you’ve linked to the Personal Capital Dashboard, you’ll see how prepared you are for retirement based on your ideal target retirement date.

Retirement Readiness on Large ScreensRetirement Readiness on Medium ScreensRetirement Readiness on Small Screens

Anticipate Big Expenses

Planning for college? Buying a new home? Getting married? Adopting a child? Add these events to Retirement Planner, and see their impact on your retirement plan.

Add Income Events

Retirement Planner automatically calculates your monthly income and projected Social Security distributions. You can easily include additional sources of income such as rental income, pensions, inheritances, or other windfalls. You can also compare multiple retirement scenarios against your current plan.

Income Events on Large ScreensIncome Events on Medium ScreensIncome Events on Small Screens

Evaluate Your Spending

Take advantage of a data-driven retirement plan (built on robust modeling tools and Monte Carlo analysis of your actual spending and savings habits) to see the most likely financial outcomes. Use this feature to determine the monthly spending you can afford.

Retirement Spending on Large ScreensRetirement Spending on Medium ScreensRetirement Spending on Small Screens

Disclosure statement and acknowledgment: The statement is provided to you by ("Author") who have entered into a referral agreement with Personal Capital Corporation ("PCC"), through which Author will be paid between $70 and $150 for each person who uses this webpage to register with Personal Capital and links at least $100,000 in investable assets to Personal Capital's Free Financial Dashboard. Author is not affiliated with PCC and Author's services consist solely of referrals of prospective clients. As a result of this arrangement Author may financially benefit from referring potential clients to Personal Capital. No fees or other amounts will be charged to investors by Author or Personal Capital as a result of the Referral Arrangement. Investors that are referred to PCC and subsequently subscribe for investment advisory services provided by PCC’s affiliated adviser, Personal Capital Advisors Corporation (“PCAC”) will not pay increased management fees or other similar compensation to Author, PCC or PCAC as a result of this arrangement. Additional information about PCAC is contained in Form ADV Part 2A.