Retirement Calculators by Methodology

Different financial personalities use different rules of thumb. Dave Ramsey says 8% withdrawal; the Trinity Study says 4%. Here are honest, independent analyses of each — with the math laid out side by side.

Popular Personalities

Research-Based Methodologies

Alternatives to Corporate Calculators

Prefer to set your own assumptions?

Our FIRE calculator lets you pick any return, any withdrawal rate, and any city in the world for cost-of-living adjustment. No brand, no agenda — just the math.

These pages are independent educational analyses of each methodology. They are not officially endorsed by or affiliated with the named personalities or their organizations.