Free calculators for required withdrawals, Roth conversions, and your 401(k). Each one uses 2026 IRS, Social Security and Medicare figures and shows the source next to every number.
Free. No sign-up. Your numbers never leave your browser.
How much do I have to withdraw?
Your required minimum distribution and the IRS factor behind it.
RMD calculator →Should I convert to a Roth?
The federal tax on a conversion and the future rate where it pays off.
Roth conversion calculator →What will my 401(k) grow to?
Your balance with contributions and employer match, on 2026 limits.
401(k) calculator →Can I stop saving now?
How much you need today to reach your goal without adding more.
Coast FIRE calculator →Also: retirement savings, annuities, dividends and CDs. See all calculators →
A conversion raises this year's tax bill. The plan shows the costs that arrive later, in the year you'd pay them.
This year
The amount that fills your tax bracket without crossing into the next one.
Two years later
Where a conversion would push you over a premium tier, and by how much.
At 73 and after
Your RMDs with and without converting, and the tax your surviving spouse would face.
$39one-time payment
This year's conversion is free to calculate. The plan comes as a PDF, a spreadsheet your accountant can check and a private link you can rerun next December. It doesn't tell you whether to convert; it shows you the numbers so you can decide.
Broker reviews and the retirement rules behind each calculator, with a source for every figure.
Free stock for opening a brokerage account
New brokerage accounts that pay you in stock for signing up through Tweed's links.
Tweed is paid when you open an account through these links. Terms are each company's own, checked on the date shown.
Robinhood
The easiest to get, with no deposit, though most people get $5
App Store 4.3 out of 5 from 4.9M ratings, read October 6, 2026. Full terms
Get the Robinhood bonusPublic
The largest fixed bonus if you'd deposit $1,000 anyway
App Store 4.7 out of 5 from 85K ratings, read October 6, 2026. Full terms
Get the Public bonusSoFi Invest
A fixed $25 for a $25 deposit
App Store 4.7 out of 5 from 385K ratings, read October 6, 2026. Full terms
Get the SoFi Invest bonusFind out what you owe this year