Fidelity's retirement calculators can help you plan your retirement income, savings, and assess your financial health Fidelity

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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.

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Take the guesswork out of retirement savings

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. 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). Determine your estimated required minimum distribution from an Inherited IRA. 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. Get a holistic view of your retirement plan and explore changes that may help you become better prepared. Determine your required retirement account withdrawals after age 72.* Get a quick estimate of how much you could have to spend every month and explore ways to impact your cash flow in retirement. See how a Roth IRA conversion, Qualified Charitable Distributions (QCDs), and taxable/tax free withdrawals could affect your current year taxes. Understand the potential outcomes that a Roth Conversion could have on your financial outlook so you can decide whether one is right for you. Take a few minutes to tell us your priorities and we'll help you create a plan to save and pay down debt. Compare estimated monthly and lifetime benefits at different ages to create a comprehensive claiming strategy. 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). 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. IMPORTANT: The projections or other information generated by the Planning & Guidance Center Retirement Analysis, Fidelity Retirement Score, and Retirement Income Calculator regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results. Results may vary with each use and over time. As with all your investments through Fidelity, you must make your own determination whether an investment in any particular security or securities is consistent with your investment objectives, risk tolerance, financial situation and your evaluation of the security. Be sure to review your decisions periodically to make sure they are still consistent with your goals. Recently enacted legislation made a number of changes to the rules regarding defined contribution, defined benefit, and/or individual retirement plans and 529 plans. Information herein may refer to or be based on certain rules in effect prior to this legislation and current rules may differ. As always, before making any decisions about your retirement planning or withdrawals, you should consult with your personal tax advisor. * The change in the RMD age requirement from 70½ to 72 only applies to individuals who turn 70½ on or after January 1, 2020. Please speak with your tax advisor regarding the impact of this change on future RMDs. 638810.21.0

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