The parts other calculators skip

Most retirement calculators ask what you have saved and what growth you expect, then give you a single number. They leave out the things that usually decide it: the tax you pay when you take money out, what health insurance costs before Medicare starts at 65, whether you are allowed to touch the money yet, and the fees your funds charge every year.

Retirely is nine free tools that model those. Every one works without an account — figures you type stay in your browser and nothing is stored unless you sign in and choose to save it.

Retirement planning is not one calculation. It is a couple of dozen decisions spread over decades, and most of them have a date attached: a five-year clock on every Roth conversion, a seven-month Medicare enrollment window, a conversion window that opens when your paychecks stop and closes when Social Security starts. Knowing a deadline while it is still years away is what makes it a choice rather than a surprise, which is why the earliest years of a plan are worth more than any later decision. A free account keeps track of which of those you have handled and turns the ages into dates on your own timeline.

Retirely — free retirement planning tools. Every tool works without an account, and nothing is stored unless you sign in and choose to save it. Educational only, not financial advice.