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Velafolio

A free retirement planner

Your retirement, worked out year by year.

Velafolio lays out every year ahead—income, Social Security, spending, taxes, required distributions, and what’s left—so you can test a decision before you make it.

Create your free plan Try the RMD calculator

The calculator works without an account.

Roth conversions, ages 65–69
  1. Retire at 65Medicare begins
  2. Social Security at 70Delayed for a larger benefit
  3. RMDs begin at 75For anyone born in 1960 or later
Fig. 1 An illustrative plan. Each bar is one year’s savings, from age 60 to 95. Velafolio works out yours from your own numbers.

The idea

A couple in their forties walking hand in hand along a long, winding path, past trees that turn from spring blossom to bare winter branches.

A retirement isn’t one number. It’s thirty-odd years.

Each of those years has its own income, spending, and tax bill. Most retirement calculators answer a single question: do you have enough? But the decisions that matter play out over many years—when to stop working, when to claim Social Security, whether to convert savings to a Roth, how required distributions will land.

Velafolio keeps a line for every year, so you can see what each choice changes, and when.

Questions

A woman in her forties at a desk by the window, chin in hand, thinking something over beside an open notebook and a cup of coffee.

The questions that shape a retirement

  1. When should I claim Social Security?

    Compare claiming at 62, at your full retirement age, and at 70, for you and your spouse, and see the age at which waiting starts to pay off.

    Each year you wait past full retirement age raises your benefit, up to age 70.

    Try the free Social Security calculator

  2. Should I convert savings to a Roth IRA?

    Model conversions over the years you choose, then compare lifetime taxes and what you leave behind against not converting at all.

    A conversion is taxed as income in the year you make it, and a large one can raise Medicare premiums two years later.

    Try the free Roth conversion tax calculator

  3. When do my required distributions start, and how large will they be?

    See the start age for your birth year, each year’s required amount, and how it adds to your taxable income.

    Under SECURE 2.0, RMDs start at 73 if you were born from 1951 to 1959, and at 75 if you were born in 1960 or later.

    Try the free RMD calculator

  4. What if I retire two years earlier?

    Copy your plan, change one thing, and keep both versions to compare.

    You can keep up to 20 versions of your plan.

Inputs

The pieces of a household’s finances laid out on a table: a notebook, a folder, house and car keys, envelopes, reading glasses and a small model house.

What a plan is made of

Enter it at your own pace. Estimates are fine to begin with, and every figure can be changed later.

Savings
401(k), IRA, Roth, HSA, brokerage, and cash accounts
Income
Work, Social Security, pensions, annuities, and other income
Spending
A simple monthly budget or itemized categories, plus healthcare and Medicare
Property
Your home, other real estate, mortgages, and planned moves
Debts
Car loans, credit cards, student loans, and more
Life events
Windfalls, home sales and purchases, and transfers between accounts

Try it now

See your RMDs without signing up

The free RMD calculator shows when your required minimum distributions start, this year’s amount, and an estimate for each year after.

Open the RMD calculator

Worked example

Balance on Dec 31, 2025
$500,000.00
IRS factor at age 75
÷ 24.6
This year’s RMD
$20,325.20
Factor from the IRS Uniform Lifetime Table (Publication 590-B), the same table the calculator uses.

Fine print

The fine print, up front

Free
The planner and the calculators cost nothing to use.
Private
We never sell your data, and it’s encrypted in transit and at rest.
Not advice
Velafolio does the arithmetic. Check important decisions with a qualified professional.

The details are in our privacy policy.

Start with the numbers you have.

You can refine your plan as you learn more.

Create your free plan