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About Retirement Calculator, Inc.

CBS The Early Show

Watch the video clip

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• FREE Retirement Calculator recommended by Ray Martin on the CBS Early Show - Watch the video clip
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Retirement Calculator

Looking for a Better Retirement Calculator?

When you start looking for a retirement calculator, there's a good chance that what you are really looking for is a solution and a sense of confidence. The solution is to solve the problems of saving for retirement; the sense of confidence is something that follows, the knowledge that you will be able to have the retirement that you've dreamed of based on your savings accounts and the investment choices that you made.

A retirement calculator should be designed to let you do a number of different things in order to help you to develop that confidence:

1. A retirement calculator should help you to look at your savings accounts and to see how your savings will accrue - with interest and with taking the effects of inflation into consideration - over time;


2. A retirement calculator should allow you to look at other savings accounts to see whether or not you would be in a better position if you were to save with different accounts;


3. A retirement calculator should give you the chance to take a closer look at your investments - a chance to see how the stocks, mutual funds and other investment accounts have performed over time; and,


4. A retirement calculator should let you look at your investments to determine - based on projections - whether or not the investments that you have will help you to have the retirement that you've been dreaming of.

However, what you'll quickly discover is that not all retirement calculators are created equally. Some will let you look at one element or another. Others won't provide you with accurate projections - or will only show you projections for a few years.

The retirement calculator that you can download at the bottom of this page will help you to build your confidence and to find the retirement solutions that you need. In part, that's because it will allow you to look at your current situation along with 25 year projections. In part, it's because, when you download the retirement calculator your contact information will be forwarded to a financial advisor in your area.

You will have the chance to look at your own savings accounts and investments. You will be able to take a closer look at whether or not your current strategy will work to help you to reach your goals. Then you will receive a free follow up call from a financial planner in your area who can answer your questions, help you identify options and develop a great strategy for reaching your retirement goals.

Those key differences - 25 year projections, the chance to explore your options and evaluate your current plan as well as changes that you might make, and a free follow up call from a financial advisor - are what makes this retirement calculator so different from others that are available. With it, you can take a much closer look at your savings and investments and know that your financial plan is the solution that will let you reach your goals.

Why not take a few moments to develop the confidence that you need to make the right investments in your future? All it takes started is a click below to download the retirement calculator.

Find a Qualified Financial Planner in Your Area

Do You Know the Answers to These Important Retirement Questions?

• Are you retired or thinking about retiring?
• Do you have enough money to comfortably live throughout your retirement years?
• Would you like FREE face to face advice or retirement consulting from a trusted local financial advisor?
• Are you looking for help to achieve your long-term financial goals?
• Would you like to learn more about Annuities, 401's, Life Insurance and Long Term Care?

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.

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

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:

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.