Retirement calculators & tools

Our calculators & tools will help you take the guesswork out of saving for retirement and assist in building an income strategy to meet your needs.


Take the guesswork out of retirement savings

Planning & Guidance Center

Get a holistic view of your retirement plan and explore changes that may help you become better prepared.

Retirement guidance

No matter where you are in life, we can provide guidance, tools and services to help you prepare for retirement on your terms.

All retirement calculators & tools

Name Description
Guaranteed Income Estimator Get an estimate for guaranteed income payments you can receive through a fixed income annuity (guarantees are subject to the claims-paying ability of the issuing insurance company).
Health Insurance Before Medicare Planner Explore health insurance options and estimate potential costs before you’re Medicare-eligible.
HSA Calculator Answer a few questions to get help planning for a brighter and healthier future with the health savings account (HSA) calculator. The calculator will estimate your health care expenses and savings potential, allowing you to make informed decisions about health care planning, savings, and spending.
Inherited IRA RMD Calculator Determine your estimated required minimum distribution from an Inherited IRA.
Inherited IRA Distribution Options Tool Use this tool to learn which withdrawal option(s) apply to your specific beneficiary situation.
IRA Contribution Calculator Answer a few questions in the IRA Contribution Calculator to find out whether a Roth or traditional IRA might be right for you, based on how much you're eligible to contribute and how much you might be able to deduct on your taxes.
Planning & Guidance Center Get a holistic view of your retirement plan and explore changes that may help you become better prepared.
Required Minimum Distribution (RMD) Calculator Determine your required retirement account withdrawals after age 73.*
Retirement Decision Guide Our guide can help you navigate retirement. Explore options for health coverage, estimate cash flow, and more.
Retirement Income Calculator Get a quick estimate of how much you could have to spend every month and explore ways to impact your cash flow in retirement.
Retirement Strategies Tax Estimator See how a Roth IRA conversion, Qualified Charitable Distributions (QCDs), and taxable/tax free withdrawals could affect your current year taxes.
Roth Conversion Calculator Understand the potential outcomes that a Roth Conversion could have on your financial outlook so you can decide whether one is right for you.
Savings Planner Take a few minutes to tell us your priorities and we'll help you create a plan to save and pay down debt.
Small Business Retirement Plan Contribution Calculator Get an estimate of what you may be able to contribute to your small business retirement plan. (Please see your tax advisor for your unique situation)
Social Security Benefit Calculator Compare estimated monthly and lifetime benefits at different ages to create a comprehensive claiming strategy.
Substantially Equal Periodic Payments / 72(t) Calculator If you need to tap into retirement savings prior to 59½ and want to avoid an early distribution penalty, this calculator can be used to determine the allowable distribution amounts under code 72(t).
Tax Deferral Evaluator Use this calculator to explore how you could save more for retirement based on different time horizons, asset allocations and changes in tax rates.
The Fidelity Retirement ScoreSM Not a Fidelity customer? Check the status of your retirement plan by answering six simple questions. Get your Retirement Score, with next steps to consider.