Transform your 401k, IRA, and pension accounts into tax-optimized retirement income streams. Trusted by 50,000+ retirees planning their financial future.
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Comprehensive tools and expert guidance for your pension, 401k, and IRA planning.
Get a complete picture of your retirement accounts. We analyze your 401k, IRA, pension funds, and social security to project your retirement income with precision.
Maximize your retirement savings with tax-efficient strategies. Learn about Roth conversions, required minimum distributions, and tax-advantaged withdrawal methods.
Visualize your retirement future with detailed income projections. See how different scenarios impact your retirement lifestyle and adjust your strategy accordingly.
Calculate your retirement readiness and projected income in seconds.
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See what retirees are saying about FinPension.
FinPension helped me understand my 401k options and rollover strategies. I'm now on track for a comfortable retirement at 65. The IRS optimization alone saved me thousands in taxes!
As a small business owner, I didn't know much about retirement planning. FinPension's pension calculator and tax advisors made it simple. I'm now contributing optimally to my SEP IRA.
The retirement income projection tools gave me peace of mind. I can finally see my path to early retirement with confidence. Highly recommend for anyone serious about their financial future.
Excellent tool for managing multiple retirement accounts. I have a 401k, two IRAs, and a pension. FinPension brings it all together in one clear dashboard with personalized advice.
The social security optimization calculator showed me I could delay benefits and get significantly more per month. Changed my entire retirement strategy for the better.
Best investment I've made for my retirement planning. The tax-optimized withdrawal strategies alone are worth the subscription. My financial advisor was impressed with the insights!
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Choose the plan that fits your retirement planning needs. Start free today.
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Yes! The Professional plan includes a 7-day free trial. No credit card required to start your retirement assessment.
Absolutely. Cancel your subscription at any time with no penalties or hidden fees.
Yes, the Elite plan includes monthly 1-on-1 sessions with certified retirement planning advisors.
We use bank-level encryption and never share your data with third parties. Your privacy is our priority.
Common questions about retirement planning and our services.
A 401(k) is an employer-sponsored retirement plan that allows you to defer taxes on income until withdrawal. Many employers offer matching contributions, which is essentially free money for your retirement. You can contribute up to $23,000 in 2024 (or $30,500 if age 50+).
Traditional IRA contributions are tax-deductible now but taxed at withdrawal. Roth IRA contributions are made with after-tax dollars, but qualified withdrawals are tax-free. Roth IRAs don't require mandatory distributions after age 73, making them ideal for estate planning.
Most advisors recommend saving 15-20% of pre-tax income for retirement, or enough to replace 70-80% of pre-retirement income annually. Use our calculator to estimate your specific needs based on your goals and timeline.
Yes! You can roll over your 401k to an IRA when you leave a job. This gives you more investment options and often lower fees. We provide step-by-step guidance and can help you avoid common rollover mistakes and tax penalties.
While you can start at age 62, your benefits increase about 8% each year you delay until age 70. Our Social Security optimization calculator helps you find the optimal claiming strategy based on your marital status, earnings history, and retirement goals.
RMDs are mandatory withdrawals from Traditional IRAs and 401(k)s starting at age 73 (age 75 starting in 2033). Failure to take RMDs results in a 25% penalty. We help you plan withdrawals to minimize taxes and avoid penalties.
Join thousands of retirees who have taken control of their financial future with FinPension. Start your free retirement assessment today.