Free calculators
Retirement calculators
Each one answers a narrow question with visible assumptions, worked examples, and cited sources. See how we validate. No account required. Meridary puts the same rules in a full year-by-year plan.
| Your question | Calculator | Covers | Does not cover |
|---|---|---|---|
| Have I reached my Coast FIRE number? | Coast FIRE Calculator User-selected return and withdrawal assumptions | A transparent, inflation-adjusted compound-growth milestone in today's dollars. | Taxes, fees, new contributions, and market-sequence risk. |
| When does delaying Social Security break even? | Social Security Break-Even Calculator Your official Social Security benefit estimates | Two same-dollar-basis monthly estimates from age 62 through age 70. | Taxes, investment returns, COLAs, spouse, and survivor effects. |
| How much must I withdraw this year? | RMD Calculator IRS Publication 590-B | Owner RMDs using the IRS Uniform Lifetime Table. | Inherited accounts and the younger-spouse Joint Life table. |
| What federal tax would a Roth conversion add? | Roth Conversion Tax Calculator IRS Revenue Procedure 2025-32 | 2026 federal brackets for single and joint filers. | State tax, IRMAA, NIIT, and Social Security interactions. |
| What could I withdraw under a 72(t) SEPP? | 72(t) SEPP Calculator IRS Notice 2022-6 | RMD and fixed-amortization SEPP methods. | Fixed annuitization and plan-specific administration. |
| Will my income trigger Medicare IRMAA? | IRMAA Calculator CMS 2026 Medicare premium tables | 2026 Part B and Part D amounts using 2024 MAGI. | Married-filing-separately filers who lived with a spouse. |
| What 2026 marketplace premium tax credit might I receive? | ACA Subsidy Calculator IRS Revenue Procedure 2025-25 | The federal credit using a supplied benchmark silver premium. | Alaska, Hawaii, state-specific premiums, and Medicaid eligibility. |