Free Interactive Tools

Retirement Income Tools & Calculators

Run real numbers on your retirement situation — instantly, privately, and for free. These tools are built to give you clear, actionable insights, not generic estimates.

💰
Retirement Income Estimator
See your projected monthly income sources and identify any gap between income and expenses
Social Security (Monthly)
$2,500
Pension / Other Guaranteed
$0
Portfolio / Savings
$700K
Monthly Expenses
$6,000
Withdrawal Rate from Portfolio
4%
Annuity Income (Monthly)
$0
$4,817
Total Monthly
Income
$2,500
Guaranteed
Monthly Income
$2,333
From Portfolio
(Monthly)
$1,183
Monthly
Surplus
Illustrative estimates only. Portfolio income assumes a consistent annual withdrawal rate applied monthly. Actual income will vary based on market performance, taxes, and other factors. This tool is for educational purposes only and does not constitute personalized financial advice.
All Tools
📊
Portfolio Success Rate Explorer
See how different withdrawal rates and asset allocations have performed historically — and what a guaranteed income source changes.
  • Historical success rates for 20, 25, and 30-year retirements
  • Interactive by withdrawal rate and allocation
  • Annuity comparison built in
Open Tool →
📉
Math of Loss Calculator
See exactly how much gain is required to recover from a portfolio loss — and what happens when you add annual withdrawals on top.
  • Adjustable loss percentage slider
  • Withdrawal rate impact analysis
  • Death spiral simulator with income floor comparison
Open Tool →
🌊
Retiree Spending Wave™ Chart
Visualize how retirement spending actually evolves across the Go-Go, Slow-Go, and No-Go years — vs. the traditional linear projection.
  • The Spending Wave™ vs. traditional projection
  • Interactive age-based chart
  • Phase annotations (Go-Go / Slow-Go / No-Go)
Open Tool →
🔄
Roth Conversion Bracket Calculator
"Burp the bracket" — see exactly how much you can convert to Roth this year while staying within your current tax bracket, and what the tax cost will be.
  • 2026 federal tax brackets
  • Interactive income and ceiling sliders
  • Estimated tax and net Roth transfer
Open Tool →
💊
Annual Healthcare Cost Calculator
Enter your Plan G and Part D premiums to see your actual annual healthcare cost — not a lifetime estimate, your real monthly number.
  • 2026 Medicare Part B premium included
  • Adjustable Plan G and Part D sliders
  • Annual total and monthly equivalent
Open Tool →
🛡️
Retirement Income Guardrails Simulator
See how the Guyton-Klinger guardrails strategy keeps withdrawals sustainable across a 30-year retirement — with upper and lower spending boundaries.
  • Interactive withdrawal path over 30 years
  • Upper and lower guardrail bands
  • Adjustable initial withdrawal rate
Open Tool →
🚀
More Tools Coming Soon
Social Security optimization calculator, RMD projection tool, and a full retirement income stress test are in development. Subscribe to the newsletter to be notified when they launch.
Subscribe for Updates

Want a Real Analysis — Not Just a Calculator?

These tools give you a starting point. A personalized retirement income analysis goes much deeper — your specific numbers, your specific situation, your specific plan.

Schedule a Free Income Review →
Disclaimer: All calculators and tools on this page are for educational and illustrative purposes only. They do not constitute personalized investment, tax, or financial advice. Results are hypothetical and based on assumptions that may not reflect your actual situation. Past performance and historical data do not guarantee future results. Please consult a qualified retirement income specialist before making financial decisions. Kris Cowles / The Retirement Income Guru / Cowles Wealth Management.