Do the retirement calculators use 2026 contribution limits?

Yes. Contribution calculators use the 2026 limits, including the $24,500 employee deferral limit and the $7,500 IRA limit, each listed with its IRS source on the figures page.

Are retirement projections 'hypothetical performance' under the SEC Marketing Rule?

They can be, depending on how they are used. The SEC treats an interactive tool that a client uses to run their own scenarios differently from projections an adviser presents, provided the adviser explains the methodology, assumptions and limitations and that results vary. Review your setup with your CCO; our compliance guide explains the considerations.

Which RMD rules do the distribution calculators follow?

SECURE 2.0. RMDs begin at 73 (born 1951–1959); 75 (born 1960 or later), and the owner RMD calculator uses the IRS Uniform Lifetime Table in use since 2022. Inherited accounts have their own calculator.

Can a client compare Roth and traditional contributions?

Yes. The Roth vs. traditional calculator compares the two at the client's current and expected future tax rates, and the Roth conversion calculator estimates the tax cost of converting.

Do the Social Security calculators use the client's real earnings record?

No. They estimate from the inputs the client enters, using 2026 bend points of $1,286 and $7,749. For the official figure, clients should use their my Social Security account; the calculator is for exploring claiming ages.

Which plan includes the retirement calculators?

Every plan, starting with free Practitioner (up to 5 calculators at once). Move to Firm or Network when you want more of the retirement shelf live, webhooks and your own branding. See pricing.

Can we set our own default return and inflation assumptions?

Yes. Defaults are editable per calculator, which many advisory firms do so the starting assumptions match their published capital market assumptions.

Are these calculators suitable for a 401(k) plan sponsor audience?

They are written for individuals, but the 401(k), contribution-effect and borrow-from-plan calculators work well on pages aimed at plan participants.

25calculators

Retirement

Retirement and RMD calculators
for advisory and CPA firms

Twenty-five retirement calculators covering contributions, Roth decisions, required minimum distributions and Social Security timing, using 2026 limits such as the $24,5002026 · IRS employee deferral limit.

Browse the retirement shelf Which plan includes these

Overview

Retirement questions arrive in two waves. Savers ask in January and at open enrollment how much to put into a 401(k) or IRA. Retirees ask in the fourth quarter how much they have to take out, and whether a Roth conversion still makes sense before December 31.

This shelf covers both: projections and shortfall tools for planning conversations, account-specific calculators for each plan type, a full set of distribution tools from RMDs to 72(t) payments, and Social Security and pension decisions.

Why advisers and CPA firms share this shelf

For an RIA the retirement calculators are prospecting tools with a compliance edge: projections are hypothetical by nature, so they come with stated assumptions and a methodology note rather than performance claims.

For a CPA firm the distribution calculators are the valuable half. RMDs, early withdrawals and gross-up calculations all change a client's tax return, and a request in November is easier to act on than a surprise in March.

Index

The retirement shelf, section by section

Calendar

When clients reach for retirement calculators

Each calculator page names the month its question peaks. Plan content, emails and homepage features around these.

Month	Calculators clients ask about
January	Retirement Planner, Roth IRA, Contribution Effect on Your Paycheck
February	Retirement Planner for Two Spouses
March	How Long Will Retirement Savings Last?, Company Stock Distribution (NUA)
April	Traditional IRA
May	72(t) SEPP, How Important Is Social Security?
June	Retirement Income, Early Withdrawal Cost, Social Security Benefit
July	Should I Borrow From My 401(k)?
August	403(b) Savings, Gross Distribution
September	457(b) Plan, RMD - Year To Begin, Pension vs. Lump Sum
October	Inherited IRA RMD
November	Retirement Shortfall, 401(k) / 403(b) / 457, Solo 401(k), Roth vs. Traditional, Roth Conversion, Required Minimum Distribution (RMD)

Contribution tools peak in January and during open enrollment; Social Security tools around birthdays at 62 and 67; RMD, Roth conversion and distribution tools from October to December.

FAQ

Retirement calculators: common questions

Showing 8 of 8

Do the retirement calculators use 2026 contribution limits?
Yes. Contribution calculators use the 2026 limits, including the $24,5002026 · IRS employee deferral limit and the $7,5002026 · IRS IRA limit, each listed with its IRS source on the figures page.
Are retirement projections 'hypothetical performance' under the SEC Marketing Rule?
They can be, depending on how they are used. The SEC treats an interactive tool that a client uses to run their own scenarios differently from projections an adviser presents, provided the adviser explains the methodology, assumptions and limitations and that results vary. Review your setup with your CCO; our compliance guide explains the considerations.
Which RMD rules do the distribution calculators follow?
SECURE 2.0. RMDs begin at 73 (born 1951–1959); 75 (born 1960 or later)2026 · IRS, and the owner RMD calculator uses the IRS Uniform Lifetime Table in use since 2022. Inherited accounts have their own calculator.
Can a client compare Roth and traditional contributions?
Yes. The Roth vs. traditional calculator compares the two at the client's current and expected future tax rates, and the Roth conversion calculator estimates the tax cost of converting.
Do the Social Security calculators use the client's real earnings record?
No. They estimate from the inputs the client enters, using 2026 bend points of $1,286 and $7,7492026 · SSA. For the official figure, clients should use their my Social Security account; the calculator is for exploring claiming ages.
Which plan includes the retirement calculators?
Every plan, starting with free Practitioner (up to 5 calculators at once). Move to Firm or Network when you want more of the retirement shelf live, webhooks and your own branding. See pricing.
Can we set our own default return and inflation assumptions?
Yes. Defaults are editable per calculator, which many advisory firms do so the starting assumptions match their published capital market assumptions.
Are these calculators suitable for a 401(k) plan sponsor audience?
They are written for individuals, but the 401(k), contribution-effect and borrow-from-plan calculators work well on pages aimed at plan participants.

Answer the RMD and Roth questions before December 31

Put the retirement shelf on your site and receive requests that include the balance, age and result the client is asking about.

Start free See pricing

Firm and Network plans include a 14-day trial. Cancel before it ends and you pay nothing.

Retirement and RMD calculatorsfor advisory and CPA firms