Retirement Calculators

Finding the right retirement calculator that fit your specific needs can be cumbersome. Many of the big financial groups provide calculators, but only for those that are at least 50+ years old. Those retirement calculators won’t work for the highly motivated individuals that hope to reach their financial independence numbers sooner.

Here’s a list of a few of my favorite retirement calculators for quick & dirty calculations to see how far you are away from those ultimate goals of freedom! For a primitive dude like myself – the less complex the better, but I’ve also listed some more advanced calculators for the intelligent ones out there.

Mustachian Calculator

The mustachian calculator gives you the simplest and quickest estimate of how long it’ll take to achieve financial independence. Some of the retirement calculators out there can get fairly detailed and involved, but this gives you a nice quick ballpark figure makes it my go-to.

Personal Capital

You’ll see this retirement calculator and general finance tool recommended everywhere. Personal Capital is great, but the phone call spam gets annoying. Can’t complain for how comprehensive the financial tools are though. The retirement planner will tell you how like you are to retire based on market conditions. Obviously the higher the better, but I like to aim somewhere just above 50%. This tool is also nice because you can add other incomes such as rental income if you’re a landlord or a side-hustle income or pretty much anything.


A solid calculator that offers a yearly breakdown – Networthify will give you a more detailed analysis on how close you’re getting to that final number. Personally, I like to see where I hit around 70% of my final number- what I call Ultra-Lean FIRE – since I’m younger and know I’ll still do some type of work in some capacity into my wrinkled years.

Related: Is there an Ultra-LeanFIRE?