Pensora

Retirement calculators you can trust.

Independent tools for RMDs, Social Security, and your countdown to retirement — instant answers, no sign-up, and every number sourced straight from the IRS or the SSA.

Independent Free No sign-up Sources: SSA · IRS

RMD & IRA

RMD Calculator

Your required minimum distribution for this year, from age and account balance.

RMD Table

The full IRS Uniform Lifetime Table with a printable PDF.

Inherited IRA RMD Calculator

Spouse and non-spouse rules, including the 10-year rule.

Inherited IRA Calculator

What the SECURE Act rules mean for your inherited account.

Uniform Lifetime Table

IRS Table III life-expectancy factors, explained in plain English.

Social Security

Social Security Break-Even Calculator

The age at which waiting to claim starts paying off.

Social Security at 62 vs 67 vs 70

Side-by-side monthly benefits at each claiming age.

Retirement Age Calculator

Your full retirement age from your birth year.

Countdown

Retirement Countdown Clock

A live clock counting down to your retirement date.

Working Days Until Retirement

Workdays left, minus weekends, federal holidays, and vacation.

Printable Retirement Countdown Calendar

A print-ready countdown calendar for your fridge or desk.

In the UK?

State Pension age and forecast calculators, built from gov.uk and DWP rules.

Take your countdown with you

  • A giant home-screen widget showing exactly how many days are left.
  • A workday countdown mode — calendar days and workdays side by side, minus your vacation days.
  • Reminders before your yearly RMD deadline, so December 31 never sneaks up on you.
Get the iPhone app — coming soon