Retirement Calculators To assist with your retirement goals, JULY provides a variety of calculators to help you meet your objectives in setting up or monitoring your retirement accounts. How much do you need to save for retirement? How much are you spending? How much will you get from Social Security? Should you add a Cash Balance plan? You’re self-employed how much can you save? What is your required minimum distribution? How should you balance risk and return? What is your risk tolerance? How will increasing your contribution impact your long-term savings? How much will increasing your contribution affect your take home pay? What is the impact of borrowing from your plan? Should you contribute on a post-tax basis (Roth)?