What does one more working year really buy you?
Move the retirement date. See how one more year can add savings, add growth, and shorten retirement.
See status and publication date →Menu
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 the rules it uses, and links to official sources and a longer plain-English guide.
Look up a money term →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.
We publish one new lab each week. The Labs page shows the topic and date.
How much can $500 less monthly spending change?
Change monthly spending. See how much income and savings the new goal may need.
See status and publication date →How much rental income is really retirement income?
Subtract empty months, property bills, and repair savings from rent. See what may truly be left to spend.
See status and publication date →Can part-time work bridge an earlier retirement?
Change monthly pay and the number of work years. See how much less you may need to take from savings.
See status and publication date →What can a 1% advisory fee cost over time?
Compare a fee based on account size with a lower-cost choice. See the fees and the growth those fees may have earned.
See status and publication date →What does delaying Social Security actually change?
Compare start ages, monthly checks, and the age when total checks may catch up.
See status and publication date →What does the health-insurance bridge to Medicare cost?
Add monthly plan costs, other medical bills, years to Medicare, and rising prices.
See status and publication date →How large might a Roth-conversion window be?
Enter this year's taxable income and a limit. See how much room may be left and a rough tax cost.
See status and publication date →How much downturn runway can a cash reserve buy?
See how many months your cash could cover the part of spending that normally comes from investments.
See status and publication date →What can inflation do to a retirement spending target?
Change the rise in prices and your retirement date. See what today's monthly spending may cost later.
See status and publication date →What changes if the mortgage is paid off at retirement?
Compare the cash needed to pay off a mortgage with the lower monthly bill and the time needed to earn that cash back.
See status and publication date →How large could a long-term-care funding gap become?
Test care cost, years of care, insurance, and rising prices. See what savings or family may have to cover.
See status and publication date →What these tools do
Show what the answer is built on.
Find the question. A first estimate turns a vague fear into something you can check.
Compare choices. Side-by-side results show which change may matter most.
See the rules. Inputs, math, limits, and official sources stay visible.
Make your own choice. Big decisions still need current facts and, sometimes, qualified personal advice.