Free Retirement & Mortgage Planning Calculators
Standalone calculators built on the same math engine as the full Four Buckets retirement planner. Each tool runs entirely in your browser — nothing is sent anywhere, no email required, no signup. Use them as one-off references, or join the waitlist for the integrated planner.
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RMD Calculator
SECURE 2.0 compliant · Updated for 2026
Calculate your Required Minimum Distributions year by year using the official IRS Uniform Lifetime Table. Automatically applies the correct SECURE 2.0 start age (72, 73, or 75) and switches to the Joint Life Table II when your spouse is more than 10 years younger.
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Mortgage Payoff Calculator
Extra-principal savings · Month-by-month
See exactly when your mortgage will be paid off based on your current balance and the principal/interest split from your last statement. Add extra principal payments to see how much time and total interest you'd save.
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