CalcMyRetirement
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CalcMyRetirement combines three high-value tools in one place: a Monte Carlo simulator to stress-test your retirement plan, a Social Security optimizer that models your claiming age against your life expectancy, and geographic arbitrage modeling for people considering a lower cost-of-living retirement move. The calculator handles both 401(k) and IRA accounts, so you can model your actual account types rather than lumping everything together.
It's ideal if you're optimizing multiple levers at once, whether that's when to claim Social Security or whether retiring in a lower-cost country actually works financially. The arbitrage feature stands out, letting you compare your current location's tax and spending picture against alternatives. For people in the FIRE community evaluating a move, this cuts out the manual spreadsheet work.