Free tools
Free retirement calculators
Quick answers to questions that come up around retirement, with no account and no email address. Each one shows its formula and sources.
Calculator
RMD Calculator (SECURE 2.0)
When your required minimum distributions start, this year’s amount, and an estimate for each year after.
Calculator
Social Security Claiming Age Calculator
Your benefit at every claiming age from 62 to 70, your full retirement age, break-even ages, and what your spouse could get.
Calculator
Roth Conversion Tax Calculator (2026)
The federal tax on a conversion, the bracket it lands in and the room left, plus what it does to your Social Security taxes and Medicare premiums.
Calculator
IRMAA Brackets and Calculator (2026)
Your Medicare Part B and Part D premiums from your income two years ago, and how close you are to each threshold.
Reference
IRS Uniform Lifetime Table (2026)
The IRS factor for every age from 72 to 120, with the share to withdraw and the RMD per $100,000.
Methods
How we calculate
The formulas, official figures and limits behind each calculator, and how to report a mistake.
When you need the whole picture
Velafolio’s free planner puts these pieces together for every year of your retirement: income, Social Security, spending, taxes, RMDs and Medicare.