SavingsLast retirement calculators

Month-by-month drawdown of a retirement balance: how many years the money lasts at a monthly withdrawal that rises with inflation, the age it runs out, the odds of being alive then, and the most that …

The largest starting monthly withdrawal, rising with inflation, that a balance can support for a chosen number of years at a given return, inflation and tax rate. Solved by bisection on the same drawd…

The annual 72(t) substantially equal periodic payment under all three IRS methods in Notice 2022-6: fixed amortization, fixed annuitization and required minimum distribution, using the 2022 life-expec…

The date a 72(t) series may be changed without the recapture penalty: the later of five years from the first payment and the owner reaching 59 1/2, computed in calendar months the way the IRS does (si…

The required minimum distribution for a year from a traditional IRA, 401(k) or similar account: the prior 31 December balance divided by the IRS Uniform Lifetime Table factor at the age reached that y…

A retiree's federal income tax for tax year 2026: the taxable share of Social Security (the Publication 915 worksheet), the standard deduction with the 65-plus additions and the senior deduction phase…

What converting an amount from a traditional IRA or 401(k) to a Roth costs in federal tax for 2026, on top of everything else that year, including the extra Social Security it makes taxable and the se…

How an early retiree pays for the years between leaving work and 59 1/2, one year at a time, under three strategies: taxable first with a Roth conversion ladder, a 72(t) series on a carved-off IRA, or…

Compares a pension's lump-sum offer with its monthly annuity: the payout rate the pension implies, the age the invested lump sum runs out paying the same amount, the steady return the lump sum must ea…

A withdrawal schedule for a non-spouse heir under the 10-year rule: the level annual withdrawal that empties the account exactly at the deadline, year-by-year balances and tax at a flat rate, and, whe…

What claiming Social Security at each age pays, from 62 to 70, using the statutory reduction (5/9 of 1% a month for the first 36 months early, then 5/12 of 1%) and delayed retirement credits (2/3 of 1…

How a US state taxes retirement income: Social Security, pensions, and IRA and 401(k) withdrawals, plus the estate or inheritance tax, sales and property tax levels, and an estimated effective state i…

Full-text search across every page on savingslast.com: the calculators, the guides, the Social Security pages, the state retirement-tax pages and the reference pages. Returns ids to pass to fetch.

The full text of one savingslast.com page as markdown, by id from search, by slug, or by URL. Every calculator page carries its explanation, worked figures and FAQ; guides carry the article.

Every page on savingslast.com with its URL, title, description and section, optionally one section only. Sections: Calculators; How long will a balance last; Reference; Retirement taxes by state; Soci…

Free calculator showing exactly how long your money lasts in retirement, after Social Security, inflation and tax. See the age your savings run out.

Calculate how long your retirement savings will last at your withdrawal amount, returns and inflation — plus the safe withdrawal rate for a 30-year retirement.

Work out how long your savings will last at your monthly spending, with interest and inflation. For career breaks, redundancy, sabbaticals or bridging to retirement.

Find the safe monthly withdrawal from your retirement savings. Models returns, inflation and taxes, and solves the maximum you can take for 20, 25 or 30 years.

Model monthly withdrawals, growth, inflation and tax to see how long your retirement savings last — plus your safe drawdown rate for 30 years.

Calculate how long savings last with monthly withdrawals, interest and inflation. See the balance year by year and your safe withdrawal amount.

Model 401(k) withdrawals with tax, growth and inflation. See how many years your 401(k) lasts and the monthly distribution it supports.

Calculate how long a traditional or Roth IRA lasts with monthly withdrawals, investment growth, inflation and taxes. Includes the 30-year safe withdrawal amount.

For teachers, nurses and nonprofit staff: see how long your 403(b) lasts with tax, growth and inflation, plus the safe monthly distribution.

For government employees: model penalty-free early withdrawals, tax, growth and inflation to see how long your 457(b) lasts.

For federal employees and military: model TSP installments, tax, growth and inflation to see how long your Thrift Savings Plan lasts.

Compound interest with regular withdrawals. See whether a balance grows or runs down when you take money out monthly, with inflation and tax.

Test the 4% rule on your own balance, return and horizon. See what 4% actually pays, where the rule came from, and when 3% or 5% fits better.

The rule of 55 lets you withdraw from your current employer 401(k) penalty-free after leaving at 55+. See how long the money lasts and the mistake that voids it.

A $500,000 IRA at 52 pays $30,773 a year under fixed amortization at 5%. All three IRS methods from Notice 2022-6, with the table, factor and formula shown.

Your 2026 RMD from the IRS Uniform Lifetime Table. A $500,000 IRA at 73 must pay out $18,868. The deadline, the 25% penalty, and a ten-year projection.

What a Roth conversion costs in 2026 federal tax, how much fits in your 12%, 22% or 24% bracket, and the Medicare and ACA cliffs it can cross. From the IRS tables.

Year by year to 59½: which account pays for what, what a Roth ladder must convert, the 72(t) alternative, federal tax and the ACA line. Three strategies compared.

What a withdrawal before 59½ really costs after the 10% penalty and income tax, plus every IRS exception that lets you avoid the penalty entirely.

Most non-spouse beneficiaries must empty an inherited IRA within 10 years. See what that means per year, when annual RMDs also apply, and how to spread the tax.

Roth withdrawals are tax free in retirement and there are no required distributions. See how long a Roth lasts, plus the ordering and five-year rules.

How long a SEP IRA lasts in retirement, plus the distribution rules for the self-employed: 59½, required distributions at 73, and the tax on every withdrawal.

SIMPLE IRA withdrawals in the first two years carry a 25% penalty, not 10%. See the rules, the rollover trap, and how long your balance lasts in retirement.

Compare a pension lump sum against the monthly annuity. Work out the implied payout rate, how long the lump sum lasts, and which decision fits your situation.

After 65 an HSA works like a traditional IRA for any spending, and stays tax-free for medical costs. See how long an HSA lasts and how to use it in retirement.

$100,000 supports about $392/month for 30 years at 5% returns and 2.5% inflation. See how long it lasts at your own withdrawal rate.

$150,000 supports about $588/month for 30 years at 5% returns and 2.5% inflation. See how long it lasts at your own withdrawal rate.

$200,000 supports about $784/month for 30 years at 5% returns and 2.5% inflation. See how long it lasts at your own withdrawal rate.

$250,000 supports about $980/month for 30 years at 5% returns and 2.5% inflation. See how long it lasts at your own withdrawal rate.

$300,000 supports about $1,176/month for 30 years at 5% returns and 2.5% inflation. See how long it lasts at your own withdrawal rate.

$350,000 supports about $1,372/month for 30 years at 5% returns and 2.5% inflation. See how long it lasts at your own withdrawal rate.

$400,000 supports about $1,568/month for 30 years at 5% returns and 2.5% inflation. See how long it lasts at your own withdrawal rate.

$450,000 supports about $1,765/month for 30 years at 5% returns and 2.5% inflation. See how long it lasts at your own withdrawal rate.

$500,000 supports about $1,961/month for 30 years at 5% returns and 2.5% inflation. See how long it lasts at your own withdrawal rate.

$600,000 supports about $2,353/month for 30 years at 5% returns and 2.5% inflation. See how long it lasts at your own withdrawal rate.

$700,000 supports about $2,745/month for 30 years at 5% returns and 2.5% inflation. See how long it lasts at your own withdrawal rate.

$750,000 supports about $2,941/month for 30 years at 5% returns and 2.5% inflation. See how long it lasts at your own withdrawal rate.

$800,000 supports about $3,137/month for 30 years at 5% returns and 2.5% inflation. See how long it lasts at your own withdrawal rate.

$900,000 supports about $3,529/month for 30 years at 5% returns and 2.5% inflation. See how long it lasts at your own withdrawal rate.

$1 Million supports about $3,921/month for 30 years at 5% returns and 2.5% inflation. See how long it lasts at your own withdrawal rate.

$1.2 Million supports about $4,705/month for 30 years at 5% returns and 2.5% inflation. See how long it lasts at your own withdrawal rate.

$1.5 Million supports about $5,882/month for 30 years at 5% returns and 2.5% inflation. See how long it lasts at your own withdrawal rate.

$2 Million supports about $7,842/month for 30 years at 5% returns and 2.5% inflation. See how long it lasts at your own withdrawal rate.

$2.5 Million supports about $9,803/month for 30 years at 5% returns and 2.5% inflation. See how long it lasts at your own withdrawal rate.

$3 Million supports about $11,764/month for 30 years at 5% returns and 2.5% inflation. See how long it lasts at your own withdrawal rate.

$4 Million supports about $15,685/month for 30 years at 5% returns and 2.5% inflation. See how long it lasts at your own withdrawal rate.

$5 Million supports about $19,606/month for 30 years at 5% returns and 2.5% inflation. See how long it lasts at your own withdrawal rate.

The exact arithmetic behind every SavingsLast calculator: the monthly loop, the tax gross-up, the solver, and an honest list of what the model ignores.

Ten worked examples from the IRS SEPP FAQ and Notice 2022-6, with every input and the expected figure. Test any 72(t) calculator against them before you file.

We ran the IRS's own 72(t) examples through Dinkytown and calcxml. Both are right on two of three methods and wrong on fixed annuitization by the same amount.

Every correction made to a figure or a rule statement on SavingsLast, with the date, what was wrong, what it is now, and who found it.

Who builds SavingsLast, how the calculators work and are checked, and what they do not claim to be.

SavingsLast privacy policy.

The terms for using SavingsLast: free calculators and an open MCP server, provided as educational estimates with no warranty.

SavingsLast calculators are educational estimates, not financial advice.

Add any of 8 free retirement calculators to your own site. One line of code each, no signup, works on any page. Free to use with attribution.

Does Alabama tax Social Security, pensions or 401(k) withdrawals? The 2026 rules, rates, and what the state tax actually costs a retiree.

Does Alaska tax Social Security, pensions or 401(k) withdrawals? The 2026 rules, rates, and what the state tax actually costs a retiree.

Does Arizona tax Social Security, pensions or 401(k) withdrawals? The 2026 rules, rates, and what the state tax actually costs a retiree.

Does Arkansas tax Social Security, pensions or 401(k) withdrawals? The 2026 rules, rates, and what the state tax actually costs a retiree.

Does California tax Social Security, pensions or 401(k) withdrawals? The 2026 rules, rates, and what the state tax actually costs a retiree.

Does Colorado tax Social Security, pensions or 401(k) withdrawals? The 2026 rules, rates, and what the state tax actually costs a retiree.

Does Connecticut tax Social Security, pensions or 401(k) withdrawals? The 2026 rules, rates, and what the state tax actually costs a retiree.

Does Delaware tax Social Security, pensions or 401(k) withdrawals? The 2026 rules, rates, and what the state tax actually costs a retiree.

Does Florida tax Social Security, pensions or 401(k) withdrawals? The 2026 rules, rates, and what the state tax actually costs a retiree.

Does Georgia tax Social Security, pensions or 401(k) withdrawals? The 2026 rules, rates, and what the state tax actually costs a retiree.

Does Hawaii tax Social Security, pensions or 401(k) withdrawals? The 2026 rules, rates, and what the state tax actually costs a retiree.

Does Idaho tax Social Security, pensions or 401(k) withdrawals? The 2026 rules, rates, and what the state tax actually costs a retiree.

Does Illinois tax Social Security, pensions or 401(k) withdrawals? The 2026 rules, rates, and what the state tax actually costs a retiree.

Does Indiana tax Social Security, pensions or 401(k) withdrawals? The 2026 rules, rates, and what the state tax actually costs a retiree.

Does Iowa tax Social Security, pensions or 401(k) withdrawals? The 2026 rules, rates, and what the state tax actually costs a retiree.

Does Kansas tax Social Security, pensions or 401(k) withdrawals? The 2026 rules, rates, and what the state tax actually costs a retiree.

Does Kentucky tax Social Security, pensions or 401(k) withdrawals? The 2026 rules, rates, and what the state tax actually costs a retiree.

Does Louisiana tax Social Security, pensions or 401(k) withdrawals? The 2026 rules, rates, and what the state tax actually costs a retiree.

Does Maine tax Social Security, pensions or 401(k) withdrawals? The 2026 rules, rates, and what the state tax actually costs a retiree.

Does Maryland tax Social Security, pensions or 401(k) withdrawals? The 2026 rules, rates, and what the state tax actually costs a retiree.

Does Massachusetts tax Social Security, pensions or 401(k) withdrawals? The 2026 rules, rates, and what the state tax actually costs a retiree.

Does Michigan tax Social Security, pensions or 401(k) withdrawals? The 2026 rules, rates, and what the state tax actually costs a retiree.

Does Minnesota tax Social Security, pensions or 401(k) withdrawals? The 2026 rules, rates, and what the state tax actually costs a retiree.

Does Mississippi tax Social Security, pensions or 401(k) withdrawals? The 2026 rules, rates, and what the state tax actually costs a retiree.

Does Missouri tax Social Security, pensions or 401(k) withdrawals? The 2026 rules, rates, and what the state tax actually costs a retiree.

Does Montana tax Social Security, pensions or 401(k) withdrawals? The 2026 rules, rates, and what the state tax actually costs a retiree.

Does Nebraska tax Social Security, pensions or 401(k) withdrawals? The 2026 rules, rates, and what the state tax actually costs a retiree.

Does Nevada tax Social Security, pensions or 401(k) withdrawals? The 2026 rules, rates, and what the state tax actually costs a retiree.

Does New Hampshire tax Social Security, pensions or 401(k) withdrawals? The 2026 rules, rates, and what the state tax actually costs a retiree.

Does New Jersey tax Social Security, pensions or 401(k) withdrawals? The 2026 rules, rates, and what the state tax actually costs a retiree.

Does New Mexico tax Social Security, pensions or 401(k) withdrawals? The 2026 rules, rates, and what the state tax actually costs a retiree.

Does New York tax Social Security, pensions or 401(k) withdrawals? The 2026 rules, rates, and what the state tax actually costs a retiree.

Does North Carolina tax Social Security, pensions or 401(k) withdrawals? The 2026 rules, rates, and what the state tax actually costs a retiree.

Does North Dakota tax Social Security, pensions or 401(k) withdrawals? The 2026 rules, rates, and what the state tax actually costs a retiree.

Does Ohio tax Social Security, pensions or 401(k) withdrawals? The 2026 rules, rates, and what the state tax actually costs a retiree.

Does Oklahoma tax Social Security, pensions or 401(k) withdrawals? The 2026 rules, rates, and what the state tax actually costs a retiree.

Does Oregon tax Social Security, pensions or 401(k) withdrawals? The 2026 rules, rates, and what the state tax actually costs a retiree.

Does Pennsylvania tax Social Security, pensions or 401(k) withdrawals? The 2026 rules, rates, and what the state tax actually costs a retiree.

Does Rhode Island tax Social Security, pensions or 401(k) withdrawals? The 2026 rules, rates, and what the state tax actually costs a retiree.

Does South Carolina tax Social Security, pensions or 401(k) withdrawals? The 2026 rules, rates, and what the state tax actually costs a retiree.

Does South Dakota tax Social Security, pensions or 401(k) withdrawals? The 2026 rules, rates, and what the state tax actually costs a retiree.

Does Tennessee tax Social Security, pensions or 401(k) withdrawals? The 2026 rules, rates, and what the state tax actually costs a retiree.

Does Texas tax Social Security, pensions or 401(k) withdrawals? The 2026 rules, rates, and what the state tax actually costs a retiree.

Does Utah tax Social Security, pensions or 401(k) withdrawals? The 2026 rules, rates, and what the state tax actually costs a retiree.

Does Vermont tax Social Security, pensions or 401(k) withdrawals? The 2026 rules, rates, and what the state tax actually costs a retiree.

Does Virginia tax Social Security, pensions or 401(k) withdrawals? The 2026 rules, rates, and what the state tax actually costs a retiree.

Does Washington tax Social Security, pensions or 401(k) withdrawals? The 2026 rules, rates, and what the state tax actually costs a retiree.

Does West Virginia tax Social Security, pensions or 401(k) withdrawals? The 2026 rules, rates, and what the state tax actually costs a retiree.

Does Wisconsin tax Social Security, pensions or 401(k) withdrawals? The 2026 rules, rates, and what the state tax actually costs a retiree.

Does Wyoming tax Social Security, pensions or 401(k) withdrawals? The 2026 rules, rates, and what the state tax actually costs a retiree.

Does Washington, D.C. tax Social Security, pensions or 401(k) withdrawals? The 2026 rules, rates, and what the state tax actually costs a retiree.

Which states tax Social Security, pensions and 401(k) withdrawals, plus sales, property and estate tax for all 50 states and DC. Reviewed for 2026.

A single 67-year-old's $500,000 lasts to 94 in no-tax states and shortly before 92 in Indiana and Oregon. Local prices move it far more: about 87 to shortly before 113.

Find the age at which waiting to claim Social Security overtakes claiming early. Compares 62, full retirement age and 70, with COLA and investment returns.

How to decide when to claim Social Security: what each age pays, the break-even maths, the survivor-benefit rule for couples, and when claiming early is right.

Social Security covers part of your spending, so your savings only need to cover the rest. Calculate how long the gap lasts, with the average benefit built in.

Add Social Security, pension and portfolio withdrawals into one monthly retirement income figure, and see how long the portfolio side of it lasts.

Spend savings between retiring and claiming Social Security to buy a permanently larger benefit. Calculate what the bridge costs and what it buys.

Up to 85% of Social Security is taxable once other income crosses the provisional-income thresholds. The limits, a worked example, and how to reduce it.

Only eight states still tax Social Security, and most exempt it below an income threshold. The full list, the thresholds, and what other states tax instead.

Work out the savings balance you need once Social Security is counted. Tables by monthly spending, for a single retiree and for a couple with two benefits.

Retiring at 50 means a 45-year horizon. See the balance required, the safe withdrawal rate, healthcare before Medicare, and how Social Security fits.

Retiring at 55 means a 40-year horizon. See the balance required, the safe withdrawal rate, healthcare before Medicare, and how Social Security fits.

Retiring at 60 means a 35-year horizon. See the balance required, the safe withdrawal rate, healthcare before Medicare, and how Social Security fits.

Retiring at 62 means a 33-year horizon. See the balance required, the safe withdrawal rate, healthcare before Medicare, and how Social Security fits.

Retiring at 65 means a 30-year horizon. See the balance required, the safe withdrawal rate, healthcare before Medicare, and how Social Security fits.

Retiring at 67 means a 28-year horizon. See the balance required, the safe withdrawal rate, healthcare before Medicare, and how Social Security fits.

Retiring at 70 means a 25-year horizon. See the balance required, the safe withdrawal rate, healthcare before Medicare, and how Social Security fits.

See how many years your savings last at your withdrawal rate, return and inflation. Free chart, plus the safe amount to withdraw for 20, 25 or 30 years.

Every calculator and guide on SavingsLast — by balance, by retirement age, by account type, plus Social Security and retirement taxes in all 50 states.

Two retirement plans side by side: retire at 62 or at 67, a larger or smaller withdrawal. See which plan lasts longer, and by how many years.

Withdraw $20,000 for a hardship and roughly $13,600 lands, on the assumptions below. To end up with $20,000 you have to request about $29,400.

You can work as much as you like while a 72(t) runs. The rule that traps people is about the account, not the job — and it costs the whole series.

The rule of 55 waives the 10% penalty with no schedule at all. A 72(t) instead locks a fixed $38,168-a-year payment for 5 years on a $600,000 IRA at 55.

A Roth conversion ladder moves IRA money to a Roth now, then waits five years to touch it penalty-free. Converting $50,000 costs $3,820 in 2026 federal tax.

The 4% rule explained: where it came from, what it actually promises, the four assumptions that break it, and what researchers say the safe rate is now.

Morningstar puts the 2026 safe starting withdrawal rate at 3.9% for a 30-year retirement. What that assumes, how it has moved since 2021, and what changes it.

Fixed real, fixed percentage, guardrails, the RMD method and buckets — what each strategy does to your income, and which one suits which retiree.

SSDI is taxed like Social Security: up to 85% becomes taxable once income crosses $25,000 single or $32,000 joint. A worked example and a calculator.

SSDI is insurance earned through work credits; SSI is needs-based with a $2,000 asset limit. 2026 payments, Medicare vs. Medicaid, and getting both.

SSDI back pay is taxable, but an IRS election can spread it across the years it was owed instead of taxing it all in the year it arrives. Worked example.

Yes, in stages: 9 months at full benefit regardless of earnings, then 36 months where $1,690 a month (2026) decides. The trial work period and SGA limits.

Forty states exempt military retirement pay from income tax in 2026. Nine exempt part of it, capped by an amount or your income. Two tax most of it.

A single military retiree with a $30,000 pension, Social Security and $500,000 in savings: state tax and how long the money lasts, computed for all 51 states.

Most states tax pensions differently by type. Private, federal, state or local, and military pensions, state by state for 2026, with the partial exemptions.

A single renter at 67 pays $47,129 a year in Iowa and $70,914 in Hawaii. Five retirement households priced across the states from official data.

Of 24 cities measured on official data, Sioux Falls, Chattanooga and St. George come out on top for savings, safety, hospitals and neighbors 65 and over.

Of 37 small towns measured on official data, Fredericksburg, Pella and Staunton come out on top. Each comes with its pros and cons.

An ESOP is a retirement plan that holds your employer's stock for you. How shares reach your account, when they become yours, and when the money is paid out.

Average ESOP accounts run from $66,626 to $713,599 at six employee-owned companies, by their federal filings. What each puts in, and when it pays.

Medicare costs $237.40 a month in 2026 for Part B and an average drug plan, in every state. What that does to your ACA costs at 65, and the dates to know.

In 18 states a veteran with a 100% disability rating pays no property tax on the home, and 2 more refund it. Every state's rule, checked October 2026.

Plain explanations of the 4% rule, safe withdrawal rates and the strategies for drawing down retirement savings, each with the calculator attached.

Connect Claude, ChatGPT, Cursor or any MCP client to every SavingsLast calculator at savingslast.com/mcp. Free, no key. Plus llms.txt and markdown for every page.

Index of every page on the site, for language models.