- advertisement -
Social Security Calculator
- advertisement - Find a Financial Planner at Retirement Calculator, Inc.
- advertisement - Senior Discounts
- advertisement - Qualify for a Reverse Mortgage at Retirement Calculator, Inc.
Click Here to Find a Financial Planner
- advertisement - Qualify for a Reverse Mortgage at Retirement Calculator, Inc.

About Retirement Calculator, Inc.

Retirement Calculator, Inc. provides the tools and resources necessary to assist you in making critical economic decisions regarding your retirement future.

Recommended Reading

Reverse Mortgage

Let Us Help With
Your Retirement

By putting your home's equity to work, you can take advantage of decreased monthly expenses while gaining cash for travel, medical expenses, home repair, investment or simply enjoying life as you see fit.

Qualify for a Reverse Mortgage Now
- advertisement - Free Retirement Calculator 2.0
Free Newsletter

Retirement Intelligence Information Services

This free newsletter provides investment education in easy to understand terms, to help you, the individual investor.

Sign-up for the
FREE newsletter


Colleen's Corner

Asset Allocation

Often financial "experts" make asset allocation difficult to understand. My goal in this series of articles is for you to understand asset allocation thoroughly, in an easy to understand format.

Calculating Retirement Has Never Been Easier

Colleen-Mulder-Seward, MBA
Retirement Calculator, Inc.
calculatingretirement.com
Calculating Your Retirement Withdrawal Rate

Inflation and uncertainty about the financial markets may make it seem like calculating how much money you need to set aside for a financially comfortable retirement is an impossible task.

If you're like most people, you've looked at different savings plans - both on your own and through your employer. You watch the stock market carefully, and you read the reports for the companies you invest in very carefully, because you know that there have been companies that have been less than honest with their investors. You look for companies with the potential to grow, hoping that as they develop through time so will your savings with them.

And it can be scary. It's hard to know which investments are the most beneficial. It's hard to know which wrong turn you could make that would take you from a path to a financially secure future to a path that would be rocky and might not take you where you want to go.

That's where calculating retirement comes in. We're here to help you eliminate much of the risk. We want to give you free access to our retirement calculator so that you can better analyze and track your investments while you are calculating your retirement.

We aren't looking to take your money away from you. We aren't trying to play on your fears, doubts, and insecurities about the future. We want to work with you to make sure that you have all of the tools you need to plan a financially successful life - both for where you are at now and for when you retire, because calculating retirement needs is not an easy task.

With adjustments for inflation, analysis of asset performance, 25-year projections and instant online customer service built in, the calculating retirement, retirement calculator provides an easy-to-use tool to help you plan for your retirement.

Even better still, the calculator is a free download that works on all Microsoft Windows platforms. And, even though using the retirement calculator will help you to be well on your way to planning for your financial success, we want to give you an additional tool to help make sure that you can achieve your goals when you are calculating retirement.

That's why, when you click the red button to get the free retirement calculator download, we will also provide you with access to a free consultation with one of our expert retirement information services consultants. That's right, we'll connect you with a financial advisor in your area who will help make sure that your retirement will be all that you want it to be, without the risk of not having money when you need it. The goal of the financial advisor is to ensure that your calculating retirement process goes smoothly and to answer any questions you may have about it.

That includes making sure that you have money right now, not just after you have retired. How do we do that? Our retirement calculator will show you how much money you can withdraw in any year without affecting your future financial stability.

So what's holding you back? There's nothing to lose. Just click the red button. Download our free retirement calculator software and connect with someone whose goal is to help you achieve all of your financial goals.

Get started now, just click on the red button to get started right away, because it's never too early or too late to start planning the retirement of your dreams.

Find a Qualified Financial Planner in Your Area

Retirement Knowledge Center

Search our extensive retirement knowledge base.

Top 100 Articles by Web Traffic:

Do You Know the Answers to These Important Retirement Questions?

Retirement Homes & Retirement Communities

Retirement Homes is a comprehensive directory of retirement homes, retirement communities, senior housing, long term care and elder care facilities. Retirement Homes will help you learn about all your retirement living, senior housing, and long term care options in the USA and Canada.

Select type of senior housing and preferred location to begin.

Active Lifestyle Independent Living
Congregate Living Assisted Living
Continuing Care Nursing Care
Alzheimer's Care Rehabilitation Care
City: State:  
Learn more about senior housing options.

Advanced Search

Select type of senior housing & zip/postal code to begin.
(*Required Field)

Active Lifestyle Independent Living
Congregate Living Assisted Living
Continuing Care Nursing Care
Alzheimer's Care Rehabilitation Care
Zip/Postal Code:*
(eg. 90210 or M6A 1J2)
Distance:*
Units:
Learn more about senior housing options.

Advanced Search

Enter the name of the senior housing community to begin.

Facility Name:
Learn more about senior housing options.

Advanced Search

Select a region below to begin your senior housing search.

Retire In a Weekend

Would you like to retire, but aren't sure you can?

Have you wondered if you have enough money to retire, how long it will last, how much you can take out, and the best way to invest?

Everyone who has thought about retirement has asked themselves these and other questions. Now you can get ALL the answers in Retire in a Weekend! This short, simple, humorous, easy-to-understand book answers the 10 most popular questions and addresses the 5 biggest concerns people have about retiring! So stop asking yourself IF you can retire ... with Retire in a Weekend! you'll learn HOW to actually do it.

Retirement Calculator Premium

For a limited time, purchase Retire In a Weekend for $29.95 and receive a free download of Retirement Calculator Premium.

Buy Now

Analysis of the Economics of Early Social Security Withdrawal

Robert J. Phillips
Chief Retirement Consultant

Deciding whether or not to take the early withdrawal of social security at age 62 can be difficult. If you need this income at 62 to fund your retirement the decision is fairly straightforward. Take it early! On the other hand, if you have another source of revenue to fund your retirement your decision will be primarily based on lifestyle, health and investment preferences.

Several factors can affect your decision. First is your life expectancy. If you are in good health and have a family history of living beyond 90 then waiting for full benefits may be best. Two other factors impact this decision. First and most important is the value of money or your expected return from your investments. If you are using other investments instead of social security to fund your retirement you should use the rate of return of these investments as your value of money. There is another way to look at the value of money. If you do not require the social security money to live, you can invest the distributions for the future. The rate of return of this investment is your value of money. If your investments will make larger returns such as stocks this would favor taking the early withdrawal.

The last factor impacting your decision is inflation. Social security includes an annual adjustment based on inflation. You cannot control this variable but you should be aware of its impact. If future inflation is significant it will favor a later full distribution

FREE Social Security Calculator:

Find Out Your Breakeven Age

We developed a calculator to assist in analyzing the impact of taking early benefits at age 62 or waiting for full benefits at age 66 to 67 depending on the year you were born...If you were born in 1960 or later your full benefits will begin at age 67 and your reduction for early benefits at age 62 will be 30%. If you were born between 1946 and 1960 your full benefits begin as early as age 66. We have included a chart that summarizes information.

To use the calculator you need to input your year of birth. You also need to input a value of money up to 10% and a projected inflation adjustment. The calculator analyzes income generated over time from both the early and full benefit investments. It calculates the age at which full social security will catch up and breakeven with the early withdrawal. If you were born before 1960 your breakeven age will be impacted by the year you were born. An early breakeven age favors waiting for full benefits.

The social security calculator is not the final answer whether to take an early withdrawal but it does give you additional economic data to assist in that decision. Ultimately you must balance income, investments and lifestyle to optimize your enjoyment during your retirement years.