Websites help you get in financial shape

January is a perfect time to re-evaluate your financial situation. The federal government offers several calculators and work sheets that can keep you fiscally fit. Here are a few:

Anyone turning 701/2 this year who has a traditional IRA or 401(k) must begin to take a required minimum distribution. Figuring the amount can be tricky, but the calculator at bit.ly/rmd-calculator makes the task easier.

Nearing retirement? Go to ssa.gov/myaccount for an accounting of how much your Social Security check will be. Unlike other estimators, this calculator uses your actual earnings history.

By age 50, you've probably collected a large amount of assets. Hopefully, you haven't also collected a large amount of debts. The work sheet at bit.ly/networth-gov will help you crunch the numbers and tell you your net worth.

Net worth not where you want it? The work sheet at bit.ly/expenses-gov tracks expenses and income.