Available
Retirement runway
Retirement Readiness Calculator
See how long your savings may last and which change could make the biggest difference.
Open calculator →Free retirement calculators
Answer one retirement question at a time.
Clear calculators built around real U.S. retirement decisions. Start with the question that matters most today.
Retirement calculator directory
Available
Claiming decision
Social Security Break-Even Calculator
Compare cumulative benefits at 62, full retirement age, and 70.
Open calculator →Available
Investment costs
401(k) Fee Impact Calculator
Compare two annual fee levels and see how the difference can compound over time.
Open calculator →Available
Early distributions
401(k) Early Withdrawal Calculator
Estimate income tax, the possible 10% additional tax, Rule of 55 treatment, and the long-term portfolio cost.
Open calculator →Available
Saving after 50
Catch-Up Contribution Calculator
Estimate the retirement value of age-50 catch-up contributions and the higher ages-60–63 limit.
Open calculator →Available
Contribution taxes
Roth vs. Traditional Calculator
Compare current and retirement tax rates, including what happens when you invest the Traditional tax savings.
Open calculator →Available
Retirement income
4% Rule & Safe Withdrawal Calculator
Test a starting withdrawal, portfolio longevity, inflation, fees, and changing return sequences.
Open calculator →Available
Future benefit
Social Security Benefits Estimator
Estimate a worker benefit from covered earnings, the highest 35 years, and claiming age.
Open calculator →Available
Benefit taxation
Social Security Tax Calculator
Estimate combined income, the federal 0%–85% inclusion tier, and the effect of a Traditional withdrawal.
Open calculator →Coming next
Before Medicare
Early Retirement Healthcare Calculator
Estimate the healthcare bridge for you and your spouse before Medicare.
In development. No signup needed for updates.Available
Tax planning
Roth Conversion Calculator
Estimate the incremental 2026 tax, brackets filled, future after-tax value, and break-even rate for one conversion year.
Open calculator →Available
Location
Retirement State Tax Comparison
Explore retirement-income rules in all 50 states and estimate the range for your profile.
Open calculator →Available
Required withdrawals
RMD Calculator
Use the IRS Uniform Lifetime Table to estimate the annual minimum, deadlines, and a year-by-year account path.
Open calculator →Choose by decision
Free retirement calculators that explain the tradeoff
A useful retirement estimate should do more than produce one large number. Clear Nest Egg calculators show which inputs drive the result, what assumptions are being used, and where an official record or professional review may still be needed.
Use one focused tool when you have a specific question, or start a free retirement Snapshot when Social Security, taxes, healthcare, and portfolio withdrawals need to be considered together.
Social Security
Estimate a worker benefit, understand the 35-year record, and compare claiming ages.
Accounts & taxes
Compare tax timing, conversion costs, required withdrawals, fees, and early distributions.
Income & longevity
Turn a portfolio into an annual income estimate and test how long the plan may need to last.
Retirement location
Explore how state rules may treat Social Security, pensions, and retirement-account income.
Find the right starting point
Match your question to a calculator
| Your question | Start here | What the result helps estimate |
|---|---|---|
| When should I claim Social Security? | Social Security Break-Even | Cumulative benefits at different claiming ages |
| How much might Social Security pay? | Social Security Benefits Estimator | An educational estimate based on covered earnings and claiming age |
| Should I convert Traditional IRA money to Roth? | Roth Conversion | Incremental tax now, bracket space, and a future after-tax comparison |
| What could my required withdrawal be? | RMD Calculator | The distribution amount, deadline, and projected account path |
| How much can I withdraw in retirement? | 4% Rule & Safe Withdrawal | First-year income and portfolio stress-test paths |
| Would another state change my retirement taxes? | Retirement State Tax Comparison | A state-rule estimate for several retirement-income sources |
How we build the estimates
Transparent math, dated rules, and visible assumptions
Deterministic calculations
The same confirmed inputs produce the same result. AI does not invent the financial figures.
Versioned U.S. rules
Rule-sensitive tools state the tax year, source date, and important exclusions beside the result.
Educational guardrails
We separate estimates from official determinations and identify decisions that need confirmation.
Common questions
About Clear Nest Egg calculators
Are these retirement calculators free?
Yes. The calculators in this directory are free educational tools. Some pages also offer an optional Clear Nest Egg Snapshot that connects several decisions into one household view.
Do the calculators provide financial or tax advice?
No. Results are educational estimates based on the information and assumptions you enter. They are not investment, tax, legal, insurance, or Social Security advice.
Which retirement calculator should I use first?
Start with the decision closest to you. Use the Social Security tools for claiming questions, the Roth and RMD tools for retirement-account taxes, the safe-withdrawal calculator for portfolio income, or the free Snapshot for a broader household view.
Why can my official result differ from a calculator?
Official benefits and taxes can depend on details a public calculator does not collect, including exact earnings records, deductions, account basis, household income interactions, plan rules, and future law changes. Confirm important decisions with current official records and a qualified professional.