Free Retirement Tools
Interactive calculators to help you understand longevity risk and safe withdrawal rates.
Calculate your conditional life expectancy based on your current age, gender, and health factors. Uses official mortality tables from the US, UK, and Singapore.
Explore mortality-adjusted safe withdrawal rates across 154 years of market history (1872-2025). See the impact of starting year and mortality assumptions on retirement outcomes.
Backtest a typical Guyton-Klinger guardrails (dynamic spending) implementation vs the inflation-indexed 4% rule using historical stocks, bonds, and CPI inflation.
See what happens to the 4% rule when your assets are in US dollars but you spend in another currency. Backtests a US 50/50 portfolio against six currencies using historical FX and CPI (1990-2025).
More tools coming soon. These calculators are for educational purposes only.