What does one more working year really buy you?
Move the retirement-date slider and see the three jobs an extra year can do: add contributions, add growth, and remove one year of withdrawals.
See status and publication date →Tools with a job
One clear calculator. Then a focused what-if for the decision in front of you.
Every tool explains what the inputs mean, shows its assumptions, and links to the official sources and longer guidance behind the model.
Free · no account required
The retirement runway
Estimate a retirement balance and monthly income, then compare the effect of working longer, saving more, spending less, and adding dependable income. Enter real numbers without arbitrary slider caps.
Use the main calculator →Savings+Income−Spending→Your runway
Weekly What-If Labs
Change one decision. See what moves.
Twelve interactive questions are scheduled through November. A lab becomes available automatically on its publication date.
How much can $500 less monthly spending change?
Adjust monthly retirement spending and watch the income gap and the portfolio assigned to that gap change together.
See status and publication date →How much rental income is really retirement income?
Use vacancy, operating-cost, and repair-reserve sliders to turn gross rent into a more defensible monthly retirement-income estimate.
See status and publication date →Can part-time work bridge an earlier retirement?
Adjust monthly earnings and bridge length to see how much less the portfolio may need to provide during the first retirement years.
See status and publication date →What can a 1% advisory fee cost over time?
Compare an ongoing assets-under-management fee with a lower-cost service model and see both the direct fees and the compounding that leaves with them.
See status and publication date →What does delaying Social Security actually change?
Compare claiming ages, monthly benefits, and a simple cumulative break-even point without pretending longevity is the only factor.
See status and publication date →What does the health-insurance bridge to Medicare cost?
Combine premiums, expected out-of-pocket costs, years to Medicare, and medical inflation into a visible bridge estimate.
See status and publication date →How large might a Roth-conversion window be?
Set a current taxable-income estimate and a planning ceiling to see the remaining conversion room and a simplified current-year tax cost.
See status and publication date →How much downturn runway can a cash reserve buy?
Match a reserve to the monthly portfolio-funded gap and see how many months it can cover during a poor early market.
See status and publication date →What can inflation do to a retirement spending target?
Change the inflation rate and retirement date to see the nominal monthly cost of the life you describe in today's dollars.
See status and publication date →What changes if the mortgage is paid off at retirement?
Compare the cash required to eliminate a mortgage with the monthly spending reduction and a simple break-even horizon.
See status and publication date →How large could a long-term-care funding gap become?
Test monthly care cost, duration, insurance benefits, and inflation to see the amount that may fall to household assets or family support.
See status and publication date →What these tools do
Make the assumption discussable.
They orient. A useful estimate turns a vague fear into a specific question.
They compare. Side-by-side scenarios show which choice matters enough to investigate.
They teach. Inputs, formulas, limits, and primary sources stay visible.
They do not prescribe. A household decision still needs current facts and, sometimes, qualified individual advice.