#1 Retirement Planning Tool

When Can You Really Retire?

Basic calculators give you a number. Boldin builds your complete retirement roadmap — with taxes, Social Security, multiple accounts, and strategies most people miss.

350,000+People planning

13,000+5-star reviews

9/10Users recommend

A+BBB Rating

401k, IRA, Roth & more

Social Security modeling

Roth conversion explorer

Compare up to 10 scenarios

After-tax projections

Market risk explorer

Retirement probability score

AI planner assistant

Income & pension modeling

Free to start

401k, IRA, Roth & more

Social Security modeling

Roth conversion explorer

Compare up to 10 scenarios

After-tax projections

Market risk explorer

Retirement probability score

AI planner assistant

Income & pension modeling

Free to start

Start Your Plan →

Why a basic calculator isn’t enough

See what you’re missing with a simple retirement calculator

What you get	Basic Calculator	Boldin
Retirement age estimate	✗ One rough number	✓ Year-by-year roadmap
Tax planning	✗ Ignores taxes	✓ Federal + state tax modeling
Social Security	✗ Not included	✓ Optimized claiming strategy
Investment accounts	✗ One lump sum	✓ 401k, IRA, Roth, brokerage
What-if scenarios	✗ Change one slider	✓ Unlimited side-by-side comparisons
Ongoing updates	✗ Static, one-time	✓ Living plan that updates with you

Scenario planning & modeling

Every path to retirement, mapped.

A basic calculator tells you when you might retire. Boldin runs hundreds of Monte Carlo simulations across every market condition — so you can stress-test any timeline and compare up to 10 plans side-by-side.

Monte Carlo Simulation

847 scenarios · 30-year projection

Compare up to 10 plans

Retire at 62 vs 65 vs 67 — test any timeline side-by-side with Roth conversions, Social Security, and taxes included.

Market risk explorer

See if your retirement date holds up through bear markets, prolonged downturns, and sequence-of-returns risk.

AI planner runs real math

Ask Boldin’s AI to model any retirement decision — it runs actual scenarios through the planning engine, not just suggestions.

Ready to find your real date?

Create Your Plan →

No credit card required

Your estimated retirement age

Based on your inputs, your savings may not reach your goal. Boldin can help you find a path.

Basic estimate only — Boldin models your full picture

Your numbers

Current Age

Current Savings

$100K

Monthly Contribution

$500

Expected Return

Conservative4%

Moderate7%

Aggressive10%

Plan Through Age

Annual Retirement Spending

$50K

See Your Full Retirement Plan →

Free to start • No credit card required

window.BC = (function() {
  var rate = 0.07;
  var animFrame = null;

function futureValue(pv, pmt, r, n) {
    var mr = r / 12;
    var mo = n * 12;
    if (mr === 0) { return pv + pmt * mo; }
    return pv * Math.pow(1 + mr, mo) + pmt * ((Math.pow(1 + mr, mo) - 1) / mr);
  }

function requiredNestEgg(annual, years, r) {
    if (r === 0) { return annual * years; }
    var mr = r / 12;
    var mo = years * 12;
    return (annual / 12) * ((1 - Math.pow(1 + mr, -mo)) / mr);
  }

function updateSliderFill(s) {
    var pct = ((parseFloat(s.value) - parseFloat(s.min)) / (parseFloat(s.max) - parseFloat(s.min))) * 100;
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  }

function updateDisplay() {
    var age = document.getElementById('bc-age').value;
    var savings = parseInt(document.getElementById('bc-savings').value);
    var contribution = parseInt(document.getElementById('bc-contribution').value);
    var planAge = document.getElementById('bc-planage').value;
    var spending = parseInt(document.getElementById('bc-spending').value);

document.getElementById('bc-val-age').textContent = age;
    document.getElementById('bc-val-savings').textContent = fmtCurrency(savings);
    document.getElementById('bc-val-contribution').textContent = fmtCurrencyFull(contribution);
    document.getElementById('bc-val-planage').textContent = planAge;
    document.getElementById('bc-val-spending').textContent = fmtCurrency(spending);

var sliders = document.querySelectorAll('.bc-slider');
    for (var i = 0; i < sliders.length; i++) { updateSliderFill(sliders[i]); }

var result = calcRetirementAge();
    var numEl = document.getElementById('bc-result-age');
    var subEl = document.getElementById('bc-result-years');
    var warnEl = document.getElementById('bc-result-warning');

if (result.age > 0) {
      numEl.textContent = result.age;
      animateNumber(numEl, result.age, 400);
      var y = result.age - result.currentAge;
      subEl.textContent = y <= 0 ? 'You could retire now!' : "That's " + y + ' year' + (y === 1 ? '' : 's') + ' from now';
      warnEl.className = 'bc-result-warning';
    } else {
      numEl.textContent = '85+';
      subEl.textContent = 'May need adjustments';
      warnEl.className = 'bc-result-warning bc-visible';
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  }

function handleSlider() { updateDisplay(); }

function handleRadio(el) {
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    rate = parseFloat(el.getAttribute('data-rate'));
    updateDisplay();
  }

init();
  return { handleSlider: handleSlider, handleRadio: handleRadio };
})();