USA Retirement Calculator
Plan your American retirement with our comprehensive calculator designed specifically for the United States. Includes Social Security optimization, 401(k) projections, IRA planning, and Medicare cost estimates.
Compare claiming at 62, 67, or 70. See breakeven analysis and maximize your lifetime benefits with our US-specific calculator.
Plan contributions to 401(k), Traditional IRA, and Roth IRA. Understand contribution limits and employer matching.
Estimate Medicare premiums, Medigap costs, and out-of-pocket expenses for comprehensive retirement planning.
US-Specific Features
- ✓ Social Security benefit optimization (ages 62-70)
- ✓ 401(k) contribution limits and employer matching
- ✓ Traditional and Roth IRA planning
- ✓ Medicare cost estimates and IRMAA calculations
- ✓ US tax brackets and retirement account taxation
- ✓ Required Minimum Distribution (RMD) planning
Advanced Analysis
- ✓ Monte Carlo simulations (1,000+ scenarios)
- ✓ Sequence of returns risk analysis
- ✓ What-if scenario modeling
- ✓ Income vs expense projections
- ✓ Inflation-adjusted calculations
- ✓ Success probability analysis
Full Retirement Age
67
for those born 1960+
Average Life Expectancy
78
years
Average Inflation Rate
3.0%
historical average
401(k) Contribution Limit
$23,000
2024 limit
Frequently Asked Questions - USA Retirement
When should I claim Social Security in the USA?
You can claim as early as 62 (reduced benefits), at full retirement age 67 (full benefits), or delay until 70 (increased benefits by 24%). Our calculator shows you the optimal strategy for your situation.
How much should I save for retirement in the USA?
Financial experts recommend saving 10-15% of your income for retirement. Our calculator helps you determine the exact amount needed based on your retirement goals and Social Security benefits.
What's the difference between a 401(k) and IRA?
401(k)s are employer-sponsored with higher limits ($23,000), often with matching. IRAs are individual accounts with lower limits ($7,000) but more investment flexibility.