Can I Retire at 62 and Delay Social Security Until 70?
Retiring at 62 while delaying Social Security until 70 can work, but the eight bridge years decide the plan. See one calculator scenario and the key levers.
Planning tool collection
Financial calculators for long-term decisions
Retirement, college, home buying, investment property — all in one place.
These tools are for long-horizon decisions that compound over decades. Each calculator models real-world tax rules, regional cost variation, and the second-order effects most simple online calculators ignore — RMDs (required minimum distributions), sequence-of-returns risk, PMI (private mortgage insurance), opportunity cost, the works.
Every tool runs entirely in your browser. No spreadsheets to download, no wealth-management firm to call. Save your scenarios, compare side-by-side, and share the plan with your spouse, your accountant, or your future self.
Retirement & long-term money
Retirement, education, financial independence, and longer-horizon wealth decisions.
Home & car decisions
Compare expensive choices where timing, financing, and tradeoffs matter.
Related planning guides
Worked examples and explainers connected to these tools.
The 4% Rule in 2026: Morningstar Says 3.7%, Bengen Now Says 4.7% - Which One Applies to You?
Morningstar says 3.7%, Bengen says 4.7%, and the classic rule says 4.0%. See one retirement calculator scenario tested across all three rates.
Is the 4% Rule Still Safe in 2026? A Visual Stress Test
Use charts to see how the 4% rule works as a starting withdrawal test, why flexible spending changes the result, and when Monte Carlo stress testing matters.
PMI Explained: What a Smaller Down Payment Really Costs
See what PMI really costs in a 2026 home-buying scenario, when it can drop off, and how 10%, 15%, and 20% down payments change the plan.
How Much Money Do You Actually Need to Buy a House?
Estimate cash to close, reserves, moving costs, and repairs with a $500,000 home-buying example for 2026.
The True Cost of Owning a Home (It's Not Just the Mortgage)
Estimate the all-in monthly cost of owning a home, including mortgage, taxes, insurance, maintenance, PMI, and unrecovered costs.
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