Written by Jere SalmistoReviewed by CalcFi EditorialLast verified: 2026-05-13

Approaching Retirement

5 calculators in this journey

Navigate the final decade before retirement — optimize accounts, plan Social Security, and manage taxes.

Step-by-Step Guide

Project your retirement savings and evaluate if you're on track.

Calculate required minimum distributions from retirement accounts starting at age 73.

Optimize your Social Security claiming strategy for maximum lifetime benefits.

Estimate Medicare costs including premiums and income-related surcharges.

Plan your estate and understand potential estate tax implications.

Complete all 5 steps of this journey and we'll track your progress. Start with the first calculator and we'll guide you through the rest.

What are required minimum distributions?

RMDs are mandatory withdrawals from retirement accounts starting at age 73. Our calculator determines your RMD amount.

When should I claim Social Security?

Claiming between 62 and 70 has major impacts on lifetime benefits. Our optimizer analyzes your break-even age.

How much will Medicare cost in retirement?

Medicare includes premiums, deductibles, and out-of-pocket costs. Our calculator estimates your healthcare expenses.

How do I plan for estate taxes?

Federal estate tax applies to large estates; some states have lower thresholds. Our calculator helps you understand your exposure.

What tax strategies should I use in early retirement?

Strategic withdrawals, Roth conversions, and income timing can reduce taxes. Our planner models different scenarios.

4 steps

Five checks. One Reality Score. See if your savings rate, target age, and lifestyle expectations actually line up.

5 steps

Map your path to Financial Independence / Retire Early — from your current net worth to your freedom number.

5 steps

Set your rate, handle taxes, and build the financial foundation that makes freelancing sustainable.

Browse all 100+ calculators or explore other guided journeys.