RLRetirementLeverage
Retirement Calculator Toolkit

Four Free Calculators for the Questions That Matter Most Before Retirement

Each one takes a few minutes, shows its work, and ends with a one-page summary you can keep. Start with the income check if you're not sure where to begin.

No email or phone required

Results appear instantly on the page. You choose whether to request a review.

Built only from what you enter

Every number is derived from your inputs and stated assumptions — nothing is pulled from outside sources.

Two to three minutes each

Plain-language questions, one step at a time, with a live summary as you go.

Available calculators

About 2 min
Free 2-Minute Retirement Income Check

Will Your Retirement Income Be Enough?

Compare the monthly income you want in retirement with what Social Security, pensions and savings may realistically provide — and see the size of any gap.

You enter
Age, retirement age, desired monthly income, expected Social Security and pension, savings balances
You get
Estimated monthly income, any monthly shortfall, a Retirement Readiness Score and questions worth reviewing

Especially useful for

  • Anyone within 15 years of retirement
  • Couples comparing two Social Security amounts
  • People unsure how much savings can safely pay each month
Start the Income Check
About 3 min
Market Timing Risk

Could Market Timing Affect Your Early Retirement?

Two retirees can have the same savings and the same average return and still end up in very different places. See how a downturn in the first years of retirement changes how long savings last.

You enter
Timeline, annual income need, guaranteed income, savings, return and inflation assumptions, a downturn scenario
You get
Side-by-side paths with steady vs. early-loss returns, the age savings could run out, and a Sequence Risk Sensitivity score

Especially useful for

  • People retiring in the next 1–5 years
  • Anyone drawing more than 4% of savings per year
  • Households where most income depends on investments
Open the Sequence of Returns Calculator
About 3 min
Tax Optimization

Could Taxes Reduce More of Your Retirement Than Expected?

Estimate what converting part of a traditional IRA or 401(k) to a Roth could cost in tax today, and compare the after-tax outcome under lower, equal and higher future tax rates.

You enter
Ages, filing status, account balances, current tax rates, the conversion amount and years to spread it over
You get
Estimated tax cost, account mix at retirement, three future-rate scenarios and a Tax Diversification Score

Especially useful for

  • People with large tax-deferred balances
  • Early retirees in temporarily low-income years
  • Anyone weighing 'pay tax now vs. later'
Open the Roth Conversion Calculator
About 2 min
RMD Tax Exposure

Are Required Minimum Distributions Creating a Tax Problem?

Project your future IRS-required withdrawals year by year under current rules and see how much of each one could go to taxes at the rates you enter.

You enter
Age, tax-deferred balance, expected return, federal and state tax rates
You get
Your first required withdrawal, a 20-year projection with estimated tax, and an RMD Tax Exposure Score

Especially useful for

  • Anyone 60+ with tax-deferred savings
  • People who don't need their IRA for income
  • Households worried about Medicare surcharges
Open the Required Minimum Distributions Calculator
Dan Hopwood, Retirement Income Specialist

Who reviews this with you

Dan Hopwood

Retirement Income Specialist

Dan is a licensed insurance professional with more than 38 years of experience helping families organize retirement income. A review walks through your numbers, explains what they may mean, and helps you decide which questions deserve a closer look — in plain English, with no pressure.

38+ Years ExperienceEducational, Client-First Approach
Prefer to talk now? Call (309) 696-8905