Guides
When Should You Claim Social Security?
The most consequential irreversible retirement decision: 62 vs. FRA vs. 70, break-even math, and the spousal/survivor strategy that matters most.
By RetirementCalcHub Editorial Team · 15 min read
Retirement Planning Hub
Plan your retirement
with confidence.
Free, accurate calculators for every retirement decision — 401(k), Roth vs. Traditional IRA, Social Security timing, RMDs, and the FIRE number. Every tool shows its formula and source.
✓ Based on the latest IRS & SSA figures
✓ Calculation methods shown
✓ No data stored
Retirement Savings
MOST USEDProject your nest egg in seconds.
Current age35
Retire at65
Monthly contribution$600
Projected at 65
$1.34M
≈ $4,470 / mo at the 4% rule
Curated by the RetirementCalcHub Editorial Team
IRS
SSA
U.S. Treasury
Most popular calculators
View all 10 →01
Retirement Savings Calculator
Project your nest egg at retirement from your current savings and monthly contributions.
02
401(k) Calculator
See how employer match and decades of compounding grow your 401(k) balance to 65.
03
Social Security Calculator
Estimate your monthly benefit and compare claiming at 62, full retirement age, and 70.
04
FIRE Calculator
Find your FIRE number and target age — compare Lean, Coast, and Fat FIRE.
All retirement calculators
Accounts & Saving
Income & Benefits
Planning & Drawdown
Latest guides
All guides →Guides
The 4% Rule Explained: Is It Still Valid?
What Bengen actually found vs. how the 4% rule gets misquoted, where it breaks down, and the dynamic alternatives, with a $1M example.
By RetirementCalcHub Editorial Team · 14 min read
Guides
Pension vs 401(k): Which Is Better?
Defined-benefit vs. defined-contribution is really a question of who carries the risk — plus the lump-sum-vs-annuity pension decision and PBGC.
By RetirementCalcHub Editorial Team · 16 min read
Guides
Long-Term Care Planning for Retirement
Why Medicare won't cover custodial care, the Medicaid 5-year look-back, and how to fund long-term care: self-fund, traditional, or hybrid.
By RetirementCalcHub Editorial Team · 13 min read
Guides
Annuities Explained: Types, Pros, and Cons
Separating the useful annuities from the costly ones: immediate vs. deferred, fixed/indexed/variable, SPIA and QLAC, with an income example.
By RetirementCalcHub Editorial Team · 13 min read
Guides
HSA: The Triple Tax-Advantaged Retirement Account
Why the HSA may be the most underrated retirement account: triple tax-free, the invest-and-save-receipts strategy, and the stealth IRA after 65.
By RetirementCalcHub Editorial Team · 13 min read
Editor's Note
Built for clarity, not sales pitches
RetirementCalcHub is an independent project. Every calculator shows its formula and data source, uses current IRS and SSA figures, and stores none of your inputs. We don't sell products — we help you understand the numbers before you talk to a professional.
Read more about us →Disclaimer: Calculations are projections based on the assumptions you provide and are for informational purposes only. They are not financial, tax, or investment advice. Investment returns are not guaranteed. Consult a Certified Financial Planner (CFP) before making retirement decisions.