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.
IndependentFreeNo sign-upSources: SSA · IRS
RMD & IRA
Your required minimum distribution for this year, from age and account balance.
The full IRS Uniform Lifetime Table with a printable PDF.
Spouse and non-spouse rules, including the 10-year rule.
What the SECURE Act rules mean for your inherited account.
IRS Table III life-expectancy factors, explained in plain English.
Social Security
The age at which waiting to claim starts paying off.
Side-by-side monthly benefits at each claiming age.
Your full retirement age from your birth year.
Birth-year guides and claiming percentages from 62 through 70.
Track the official CPI-W formula and October announcement.
Countdown
A live clock counting down to your retirement date.
Workdays left, minus weekends, federal holidays, and vacation.
A print-ready countdown calendar for your fridge or desk.
Retirement income & withdrawals
Estimate fixed periodic payouts, total payout, and balance schedule.
Model withdrawals, taxes, possible penalty, and balance depletion.
In the UK?
State Pension age and forecast calculators, built from gov.uk and DWP rules.
- UK Retirement Age CalculatorYour State Pension age from your date of birth.
- State Pension Age CalculatorThe exact date you reach State Pension age.
- State Pension Forecast CalculatorYour weekly State Pension from qualifying NI years.
- UK Pension CalculatorProject your pension pot and the income it could pay.
In Canada?
CPP and OAS payment dates, CPP claiming ages, and prescribed RRIF minimums.
- CPP Payment DatesEvery 2026 CPP deposit date, plus a calendar download.
- OAS Payment DatesEvery 2026 OAS deposit date, plus a calendar download.
- CPP CalculatorEstimate the effect of starting CPP from age 60 to 70.
- RRIF Withdrawal CalculatorEstimate your prescribed annual RRIF minimum.