Written by Diversification.com Editorial Team • Updated June 18, 2025
4 min read • This article was created using publicly available data at the time of publication. The list includes editorial opinions, is not investment advice, and there are no paid placements.
Planning decades ahead can dramatically improve retirement outcomes—but only if the tools support your full financial picture. This list includes five robust, free retirement calculators that passed multiple filters: U.S. availability, mobile friendliness, broad asset support, privacy, and forward-looking investment modeling.
How We Ranked These Retirement Calculators
To qualify, each tool had to meet a strict set of criteria: free access, support for a range of asset types (e.g., brokerage, 401(k), real estate), mobile-friendly UI, U.S. applicability, and optional account linking. From an initial pool of over 20 calculators we found, only five met all conditions as of June 2025.
1. Fidelity Retirement Score
- Access: Web + App
- Account Linking: Yes
- Cost: Free
- Highlight: Probabilistic estimates of target achievement; “what-if” models
2. Empower Retirement Planner
- Access: Web + App
- Account Linking: Yes
- Cost: Free
- Highlight: Automatic scenarios with withdrawal projection; real-time portfolio inputs
3. NewRetirement Planner+ (Boldin)
- Access: Web
- Account Linking: Manual (for free plan), automated only on Paid plan
- Cost: Free (basic plan)
- Highlight: High tax customization, Roth conversions, long life calculations
4. T. Rowe Price Retirement Income Calculator
- Access: Web
- Account Linking: No (data must be entered manually)
- Cost: Free
- Highlight: Monte Carlo simulation with 1,000 iterations and income estimates
5. Bankrate Retirement Calculator
- Access: Web + Mobile-optimized
- Account Linking: No (data must be entered manually)
- Cost: Free
- Highlight: Fast result, no login, no tracking
In Summary
Early retirement planning pays off—especially with tools that balance simplicity, asset visibility, and long-range simulation. This shortlist includes only calculators that passed a rigorous privacy, modeling, and usability screen.
Disclosures
- Data verified as of June 18, 2025
- This article is not financial advice
- Product features may change. Always verify with the provider.