Find a Financial Advisor
- advertisement - Free Retirement Calculator 2.0

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.

CBS The Early Show

Retirement Calculator, Inc. has been exposed live in New York on CBS The Saturday Early Show for its flagship product the Retirement Calculator and recommended by Ray Martin the top financial analyst for CBS News.

Watch the video clip

Dial-up 28.8K or 56K
High Bandwidth

Recommended Reading

- 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.
Local Guides
  • FREE Retirement Calculator recommended by Ray Martin on the CBS Early Show - Watch the video clip
  • FREE Retirement EBook written by Bill Losey, America’s Retirement Strategist
  • FREE Retirement Intelligence Information Services Newsletter
  • FREE New Social Security Calculator
  • FREE Consultation with a certified financial advisor in your area
* denotes a required field
* What do you need help with?
Debt relief & debt consolidation
Financial planning & investments
* What advisory services are you looking for?
Portfolio Management
Retirement Planning
Estate Planning
Education Planning
401K Rollover
* What is the size of your current portfolio?
Less than $50,000
$50,000 - $100,000
$100,000 - $250,000
$250,000 - $500,000
$500,000 - $1 million
$1 million - $3 million
More Than $3 million
Contact Information
* First Name:

* Last Name:

* Email:

* Zip Code:

* Day Time Phone:
() -

* Best time to contact:

Additional information

* Please enter this Security Code in the box below before submitting the form:

Type the letters as they appear above in the box below:

Submit Form

NOTE: We respect your privacy. By submitting the information above, you consent to Retirement Calculator, Inc. using the information you provide to communicate with you and provide more information about products and services. Our partners and advisors may contact you.Read more about online Privacy with Retirement Calculator, Inc.

30 yr fixed mtg 3.40% 3.50%
15 yr fixed mtg 2.66% 2.67%
5/1 ARM 2.91% 2.87%
30 yr fixed jumbo mtg 4.00% 4.29%
5/1 jumbo ARM 3.01% 3.72%
Rates may include points
$30K HELOC 4.75% 4.73%
$50K HELOC 4.40% 4.39%
$30K home equity loan 4.48% 4.48%
$50K home equity loan 4.11% 4.10%
$75K home equity loan 4.11% 4.09%
Rates may include points
36 month new car loan 2.99% 3.00%
48 month new car loan 3.16% 3.18%
60 month new car loan 3.23% 3.25%
72 month new car loan 2.95% 2.96%
36 month used car loan 3.27% 3.28%
Rates may include points
6 month CD 0.33% 0.33%
1 yr CD 0.57% 0.56%
5 yr CD 1.21% 1.21%
1 yr IRA CD 0.77% 0.77%
5 yr IRA CD 1.41% 1.42%
Rates may include points

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)
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
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.