AARP Retirement Calculator

AARP's calculator takes a broader view of your retirement picture than most tools, accounting for pension income if you have it, household status, current salary, and projected Social Security benefits. The tool builds a snapshot of your retirement readiness and shows gaps if your projected income falls short of your spending needs. It's positioned toward people age 50+, so it includes later-life considerations like healthcare costs.

It works well for traditional retirement savers who have pensions or expect significant Social Security income. If you're balancing multiple income sources in retirement, AARP's questionnaire helps you factor all of them in. The tool's strength is that it doesn't assume everyone's path looks the same, which matters if you're not living purely off investment returns.