Free, no sign-up, nothing stored. Each calculator shows its working with your own numbers, and every rate, table and limit comes from an official source we name and date (see the data sources). The methodology sets out the formulas, defaults and limits of each calculator. Everything here is an educational illustration, not financial advice.
Retirement income
- How long will my money last?The age your savings run out, and the chance you or your spouse are still alive then.
- IRS life expectancy tables and RMDThe IRS Single Life, Uniform Lifetime and Joint tables, with your required minimum distribution.
- Life expectancy calculatorYour remaining years on the SSA life table, and the chance you, or one of a couple, reach 80, 90 or 100.
- Annuity calculatorThe fair lifetime income a lump sum buys, and the payment, present value or future value of a fixed-term annuity.
Learn: how the maths works
- GlossaryEvery symbol and term used on the site, from qₓ and ₜpₓ to äₓ and the annuity angle, in plain English.
- Life tablesWhat lₓ, dₓ, qₓ and pₓ mean, how a period life table is built, and how to read the SSA table.
- Present valueThe time value of money, the discount factor vᵗ, and present and future value with worked examples.
- Survival probabilityHow tpₓ and tqₓ are calculated by multiplying through a life table, including part years.
- Annuity formulasPresent and future value of an annuity, immediate vs due, growing annuities, perpetuities and a PV table.