The parts other calculators skip

Most retirement calculators ask for a balance and a rate of return and hand back a single number. The things that actually decide whether early retirement works are left out — what tax takes on the way out, what health insurance costs before Medicare starts at 65, whether you are legally allowed to touch the money yet, and what your funds quietly charge every year.

Retirely is nine free tools that model those. Nothing is stored, there is no account, and no figure you type leaves your browser.

Retirely — free retirement planning tools. Nothing is stored and no figure you enter leaves your browser. Educational only, not financial advice.