Financial Calculators
Run the numbers on your own time. Each calculator takes a few minutes, uses your figures, and gives you something concrete to bring to a planning conversation.
Five ways to pressure-test your plan.
Start anywhere. Most people begin with retirement readiness to see the big picture, then use the others to look closer at the pieces that matter to them.
Retirement Income
Will your income cover the life you're planning for?Retirement Readiness Calculator
Project what your savings, Social Security, and pension could produce at retirement, then compare it against the income you'll actually need.
Open CalculatorIncome Shortage Calculator
Put your expected monthly retirement income beside your expected monthly expenses and see whether there's a deficit — and how large.
Open CalculatorRelative Income Comparison Tool
Compare hypothetical guaranteed annuity income against traditional portfolio withdrawals on the same amount of money.
Open ToolTax & Cash Flow
Understand what you keep — and where it goes.Roth Conversion Calculator
Look at how converting traditional retirement assets to a Roth could change what you owe now versus what you keep later.
Open CalculatorHousehold Budget Worksheet
Build a full monthly budget with totals that update as you type. The natural starting point if you're unsure of your real spending.
Open WorksheetNot a calculator — but worth five minutes
The Nitrogen risk questionnaire scores how much market volatility you're actually comfortable with, so your portfolio and your temperament can be matched. It opens in a new tab on Nitrogen's platform.
A number is a starting point, not an answer.
Every calculator here simplifies something real. Used well, they show you which questions are worth a longer conversation.
Use real figures
Estimates in, estimates out. Pull your actual Social Security statement, account balances, and a recent month of spending before you start — the results get far more useful.
Run more than one scenario
Change the retirement age, the return assumption, or the withdrawal rate and run it again. Seeing how much the answer moves tells you where your plan is sensitive.
Bring the results to a review
None of these model taxes, sequence-of-returns risk, or your full balance sheet. That's the work we do together — and your printout is a good place to begin.
Before you start
Yes. Every calculator on this page is free and there is no obligation of any kind. You'll be asked for your name and email to see your results, and a G&R advisor receives a copy so we can follow up if you'd like a second set of eyes on the numbers. We never sell your information.
They're hypothetical illustrations, not projections of what will happen. Each calculator uses simplified assumptions — a level rate of return, a fixed withdrawal rate, no market volatility, and generally no tax modeling. Every page lists its own assumptions. Treat the output as a directional signal, not a forecast.
If retirement is still some years out, start with the Retirement Readiness Calculator for the whole picture. If you're close to retiring or already there, the Income Shortage Calculator is more direct. Not confident in your spending numbers? Build them first in the Household Budget Worksheet.
Yes. Each calculator includes a print option on the results panel, which you can use to save a PDF copy for your records or to bring to a meeting.
Ran the numbers? Let's talk about them.
A calculator can show you the gap. Deciding what to do about it is the part worth doing with an advisor.