Retirement calculators & tools

Take the guesswork out of saving for retirement—and build an income strategy to help meet your needs.

Most popular

Planning & Guidance Center


See how our planning experience can help you reach your goals.


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Retirement Income Calculator


Quickly estimate your monthly retirement income, with ways to help improve your cash flow.


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Guaranteed Income Estimator


Looking for income? See what a fixed income annuity could do for you.1


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Inherited IRA RMD Calculator


Determine your RMD from an inherited IRA.


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More calculators and tools

Health Insurance Before Medicare Planner


Not yet Medicare age? Explore your health care options—and the potential costs.


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HSA Calculator


Estimate your health care expenses and how an HSA could help.


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Inherited IRA Distribution Options Tool


You inherited an IRA? Learn about your withdrawal options.


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IRA Contribution Calculator


Understand your Roth and traditional IRA eligibility, contribution limits and tax deductions.


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Required Minimum Distribution (RMD) Calculator


Estimate your RMDs for non-Fidelity retirement accounts.


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Retirement Decision Guide


Explore options for health coverage, estimate cash flow, and more.


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Retirement Distribution Center


View and manage your Fidelity retirement account distributions and RMD calculations for the year.


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Retirement Strategies Tax Estimator


Understand the impact various taxable and tax-free withdrawal strategies could have on your current-year taxes.


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Roth Conversion Calculator


Evaluate the impact a Roth conversion could have on your financial outlook.


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Savings Planner


Tell us your priorities, and we'll help you create a plan to save and pay down debt.


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Small Business Retirement Plan Contribution Calculator


Get an estimate of what you could contribute to your small business retirement plan.2


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Social Security Benefit Calculator


Strategize when to claim Social Security by estimating monthly and lifetime benefits at different ages.


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Substantially Equal Periodic Payments / 72(t) Calculator


Younger than 59½? Potentially avoid IRS early-withdrawal penalties with substantially equal payments.


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Tax Deferral Evaluator


Evaluate ways to save more, based on different time horizons, asset allocations and tax rates.


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The Fidelity Retirement ScoreSM


Not a Fidelity customer? Get an evaluation of your current plan, with next steps to consider.


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Health Insurance Before Medicare Planner


Not yet Medicare age? Explore your health care options—and the potential costs.


Explore now

Planning & Guidance Center


See how our planning experience can help you reach your goals.


Explore now

Retirement Decision Guide


Explore options for health coverage, estimate cash flow, and more.


Explore now

The Fidelity Retirement ScoreSM


Not a Fidelity customer? Get an evaluation of your current plan, with next steps to consider.


Explore now

HSA Calculator


Estimate your health care expenses and how an HSA could help.


Explore now

IRA Contribution Calculator


Understand your Roth and traditional IRA eligibility, contribution limits and tax deductions.


Explore now

Roth Conversion Calculator


Evaluate the impact a Roth conversion could have on your financial outlook.


Explore now

Savings Planner


Tell us your priorities, and we'll help you create a plan to save and pay down debt.


Explore now

Small Business Retirement Plan Contribution Calculator


Get an estimate of what you could contribute to your small business retirement plan.2


Explore nowOpens in a new window

Tax Deferral Evaluator


Evaluate ways to save more, based on different time horizons, asset allocations and tax rates.


Explore now

Guaranteed Income Estimator


Looking for income? See what a fixed income annuity could do for you.1


Explore now

Inherited IRA Distribution Options Tool


You inherited an IRA? Learn about your withdrawal options.


Explore nowOpens in a new window

Inherited IRA RMD Calculator


Determine your RMD from an inherited IRA.


Explore nowOpens in a new window

Required Minimum Distribution (RMD) Calculator


Estimate your RMDs for non-Fidelity retirement accounts.


Explore now

Retirement Distribution Center


View and manage your Fidelity retirement account distributions and RMD calculations for the year.


Explore nowLog In Required

Retirement Income Calculator


Quickly estimate your monthly retirement income, with ways to help improve your cash flow.


Explore now

Retirement Strategies Tax Estimator


Understand the impact various taxable and tax-free withdrawal strategies could have on your current-year taxes.


Explore now

Social Security Benefit Calculator


Strategize when to claim Social Security by estimating monthly and lifetime benefits at different ages.


Explore now

Substantially Equal Periodic Payments / 72(t) Calculator


Younger than 59½? Potentially avoid IRS early-withdrawal penalties with substantially equal payments.


Explore nowOpens in a new window

Retirement Strategies Tax Estimator


Understand the impact various taxable and tax-free withdrawal strategies could have on your current-year taxes.


Explore now

Roth Conversion Calculator


Evaluate the impact a Roth conversion could have on your financial outlook.


Explore now

Substantially Equal Periodic Payments / 72(t) Calculator


Younger than 59½? Potentially avoid IRS early-withdrawal penalties with substantially equal payments.


Explore nowOpens in a new window

Tax Deferral Evaluator


Evaluate ways to save more, based on different time horizons, asset allocations and tax rates.


Explore now

Take the next step towards your retirement goals


Retirement planning

Set a clear plan for how you envision your retirement based on your stage in life.



Build retirement savings

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