Free Retirement Calculator with Social Security, 401(k) and Roth
Enter your age, savings, Social Security estimate and state, and cinder.fi shows how long your money lasts: year by year, after federal and state tax, with your 401(k), IRA, Roth and Social Security working together. It is free to start and needs no credit card.
Most retirement calculators handle federal taxes but ignore state taxes or apply a single national average. That’s a big gap. A retiree in California pays 9.3% state income tax on retirement income above $66,295. A retiree in Florida, Nevada, or Texas pays zero. On a $100,000 annual withdrawal that is roughly $9,000 per year, or about $270,000 over a 30-year retirement.
cinder.fi’s US retirement calculator includes federal and state tax engines for all 50 states. It models Traditional IRA, Roth IRA, 401(k), and HSA account types with correct contribution limits, Required Minimum Distributions (RMDs), and the tax treatment of withdrawals from each. Enter your account balances, expected contributions, Social Security estimate, and target spending, and cinder.fi projects your retirement year by year.
Social Security is central to US retirement planning. Claiming at 62 reduces your benefit by up to 30% from your full retirement age amount. Delaying to 70 increases it by 8% per year past full retirement age. The SSA’s retirement benefits page has official guidance on eligibility and benefit calculation. The right age depends on your health, other income, and whether you’re married. cinder.fi models your claiming age, the tax on your benefit and what a surviving spouse keeps.
What this retirement calculator includes
- All 50 state tax engines: real state marginal rates, including California’s brackets, New York City’s city tax, and the 9 states with no income tax, applied to the right income types in each state.
- RMD calculations: the calculator applies the IRS Uniform Lifetime Table starting at age 73 (SECURE 2.0), projects mandatory distributions forward, and shows the taxable income impact each year.
- Roth conversion modeling (Pro): Model annual Roth conversions during the years between retirement and RMD onset to reduce future mandatory distributions and manage IRMAA Medicare premium surcharges.
- Social Security optimization: Compare claiming ages from 62 to 70, including the break-even analysis and the impact on a spouse’s survivor benefit.
- HSA triple tax advantage: model your HSA balance as a retirement asset. Contributions are pre-tax, growth is tax-free, and withdrawals for qualified medical expenses are tax-free. After 65, HSA withdrawals for any purpose are taxed like a Traditional IRA.
- 401(k) and IRA coordination: model the interaction between pre-tax 401(k) balances, Roth accounts, and taxable investments to find the withdrawal sequence that minimizes lifetime taxes.
- Monte Carlo simulations: 1,000+ runs with randomized market returns give the probability your plan survives, not just the straight-line average. The success rate and the middle 80% of outcomes are free; Pro adds your own runs and settings and the full percentiles.
- Estate projections: see the projected account balances at death and the tax treatment for heirs under current SECURE 2.0 rules.
Start with your own numbers
Enter your income, savings, and state, and cinder.fi projects your retirement year by year with federal and state tax brackets. See how your 401(k), IRA, and Social Security work together.