Retirement calculators & tools
Whether you're just beginning to think about retirement or are already enjoying it, these interactive retirement calculators and tools can make it easy for you to plan and prepare for the road ahead.
Retirement tools
Retirement planner
Find out how much you should be saving for retirement.
Annual withdrawal rate calculator
Learn which withdrawal rate best suits your current and future income needs.
Monte Carlo calculator
Estimate how long your nest egg will last.
How will the Pension Protection Act affect you?
Learn how the Pension Protection Act might affect your retirement plans.
Retirement Check-In® questionnaire
Answer five questions to help you find out what steps you still need to take to attain your goals.
Projected retirement expense
Calculate your expected retirement expenses based on inflation rates in individual categories.
Roth IRA conversion analyzer
Determine whether a Roth conversion makes sense for you.
Investing calculators
Asset allocation profiler
Tell us about your risk tolerance and investment horizon, and we'll help you find the right asset allocation for you.
After-tax rate of return calculator
Estimate the potential after-tax rate of return of your different investments.
Retirement milestones
| Timeframe/Age | Action |
|---|---|
| 3 months before you retire | You can apply for Social Security. |
| 50 years old | You can make catch-up contributions to many retirement plans. |
| 55 years old | You can start taking penalty-free withdrawals from qualified retirement plans such as 401(k)s, 403(b)s and profit sharing plans if you left your employer in the year you turned 55 or later. |
| 59 1/2 years old | You can begin taking withdrawals without penalty from most retirement plans. |
| 62 years old | You can start taking reduced Social Security benefits if you're retired. |
| 64 years and 9 months old | You can apply for Medicare. |
| 65-67 | You can start taking full Social Security benefits according to your birthday or wait up to age 70 to qualify for delayed retirement benefits. |
| 70 1/2 years old | You must begin taking Required Minimum Distributions (RMDs) from most retirement accounts. |
The projection or other information generated by the Monte Carlo calculator regarding the likelihood of various investment outcomes are hypothetical in nature , do not reflect actual investment results and are not guarantees of future results.
Financial planning services and investments offered through Ameriprise Financial Services, Inc., Member FINRA and SIPC.
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Important upcoming dates
September - December
- Open enrollment for many employee-benefit plans in September/October
- Estimated quarterly tax payment due for those who are self-employed or have income not subject to withholding – 9/15
- Deadline for small business owners to set up a new SIMPLE IRA – 10/1
- Extended tax filing deadline – 10/15
- Recharacterize a contribution or conversion from the prior year – 10/15
- Take RMDs for the year by 12/31
- Conversions to Roth IRA for current year – 12/31
- Sell non-qualified securities to realize a gain or loss before 12/31
- Charitable giving for current year tax write-offs – 12/31
- Deferrals to employer plans due – 12/31
- Deadline for small business owner to establish a qualified plan – 12/31