Tools and calculators

Additional discussions and reviews of these Tools and Calculators can be found in the discussion page (tab at top).

Lifestyle Calculators
These calculators use historical models to predict your life expectancy based on your lifestyle and family history.
 * Living to 100 Life Expectancy Calculator (enable browser cookies)
 * MSN-money Life Expectancy Calculator

IRS Life Expectancy Tables
The IRS also has a view of your life expectancy, which is used solely for determining the Required Minimum Distribution of your IRA. Your age, your spouse's age, and beneficiary status are taken into account.

This Google Docs spreadsheet will calculate your life expectancy (or distribution period) based on Tables I, II, or III in IRS Publication 590 (IRAs):
 * Life Expectancy Tables from IRS Publication 590 (view in browser) or (download as xls, ods, pdf)

Retirement Calculators
''Need someone knowledgeable to provide comment/rating of these. Some are monte carlo, others not. Each has pros and cons.''
 * FIRECalc 3.0 - FIRECalc: A different kind of retirement calculator
 * The Ballpark E$timate - ChooseToSave.org
 * Easy Allocator - Boglehead yobria
 * Flexible Retirement Calculator - flexibleRetirementPlanner.com
 * Monte Carlo Retirement Calculator - Moneychimp
 * Retirement Calculator - AARP Bulletin Today
 * Retirement Calculator - Moneychimp
 * Retirement Calculator - T. Rowe Price
 * Retirement Planner - Bloomberg
 * Retirement Planner - MSN Moneycentral
 * Retirement Planning Tools - Analyze Now!

IRA

 * Roth vs. Traditional IRA
 * Roth Conversion Calculator

RMD Calculators
The RMD (Required Minimum Distribution) calculators should be checked against the IRS Life Expectancy Tables to be sure that the appropriate table is to be used in your situation. Additional comments in the discussion page (tab at top).
 * Required Minimum Withdrawal and Stretch IRA Calculator
 * Required Minimum Distribution (RMD) Calculator

Boglehead discussion on the above calculators

 * Bogleheads: Retirement Calculators?
 * Bogleheads: Retirement Calculator
 * Bogleheads: Financial Calculators

Portfolio Tools

 * Morningstar Tools
 * T. Rowe Price you can sign up for a free online account and have access to Morningstar tools
 * Boglehead David Grabiner's asset allocation worksheet

Backtesting

 * Simba's backtesting spreadsheet (view forum discussion) or (download as xls, ods)

Caution: Past performance does not guarantee future results.

Taxable-Equivalent Yields
Calculate the yield on a taxable investment that's equivalent to the yield on a tax-exempt investment.
 * Vanguard Taxable-Equivalent Yield Calculator
 * Boglehead tfb's Bond Fund Yield Calculator
 * You can also use this calculator to compare against a bank savings account, which is a federal and state taxable fund. APY is equivalent to compound yield. Calculator instructions
 * Bond Calculator

College Savings Planner

 * Vanguard College Savings Planner
 * College Savings Calculator

Inflation Data

 * InflationDatacom.
 * Economic Data - FRED