retirement Calculators
Retirement Savings Calculator
Projects the total nest egg you'll have at retirement based on your current savings, monthly contributions, and a 7% annual growth rate. Use it when planning how much to save each month to hit a retirement target.
401(k) Calculator
Estimates your 401(k) balance at retirement by compounding your employee contributions and employer match together at a 7% annual rate. Ideal for evaluating how much of your salary to contribute and whether you're capturing your full employer match.
Pension Calculator
Calculates your estimated monthly pension benefit using your years of service, final average salary, and your plan's benefit multiplier. Use it when comparing pension payout scenarios or planning a retirement date.
Social Security Estimator
Estimates your monthly Social Security retirement benefit based on average earnings, years worked, and the age at which you claim benefits. Use it when deciding whether to claim early, at full retirement age, or delay to 67 or beyond.
Retirement Income Calculator
Estimates the annual income you'll need in retirement by adjusting your current income for a chosen replacement rate and projected inflation over the years until you retire. Use it when setting a savings target or stress-testing retirement plans.
Roth IRA Calculator
Estimates how much your Roth IRA will be worth at retirement based on your current balance, monthly contributions, time horizon, and expected annual return. Use it when planning tax-free retirement income.
Safe Withdrawal Rate Calculator
Calculates your safe monthly withdrawal amount from retirement savings based on a chosen withdrawal rate. Use it to determine whether your nest egg can sustain your lifestyle throughout retirement.
Early Retirement Calculator
Estimates the age at which you can retire early using the FIRE (Financial Independence, Retire Early) framework. Useful for anyone targeting financial independence and wanting a concrete retirement age target.
Retirement Gap Calculator
Reveals how much annual income your current retirement savings and guaranteed benefits fall short of your target. Use it to identify funding gaps before retirement and adjust your savings plan accordingly.
Catch-Up Contribution Calculator
Projects how much your retirement account will be worth if you make catch-up contributions after age 50. Ideal for late starters or anyone trying to accelerate savings in their final working years.
Retirement Savings Goal Calculator
Find out exactly how much you need to save each month to retire on the income you want. Enter your age, target retirement age, desired annual income, and current savings to get your monthly savings target.
401(k) Contribution Optimizer
See exactly how much your 401(k) earns when employer matching and tax savings are factored in. Use it when deciding what percentage of your salary to contribute each pay period.
Roth IRA Conversion Analyzer
Estimate the long-term financial benefit of converting a traditional IRA to a Roth IRA after taxes. Use it when you expect your retirement tax rate to exceed your current rate.
Retirement Withdrawal Strategy Calculator
Determine how much to withdraw from each retirement account — taxable, traditional IRA, and Roth — to meet your annual income need efficiently. Useful when coordinating withdrawals across multiple account types.
Pension vs Lump Sum Calculator
Compare the total lifetime value of monthly pension payments against investing a one-time lump sum payout. Use it when your employer or pension plan offers both options at retirement.
Retirement Portfolio Allocation Calculator
Determines how much of your retirement portfolio to hold in stocks vs. bonds based on your age and risk tolerance. Use it when rebalancing investments or planning your first retirement account allocation.
Medicare Supplement Cost Calculator
Estimates your total annual Medicare costs including Part B premiums, Medigap plan premiums, Part D drug coverage, and expected out-of-pocket expenses. Ideal for beneficiaries comparing supplement plans during open enrollment.
FIRE Early Retirement Calculator
Calculates how many years until you reach financial independence and can retire early using the FIRE framework. Use it to test the impact of your savings rate, spending level, and chosen FIRE target on your timeline.
Required Minimum Distribution Calculator
Computes the IRS-required annual withdrawal from your IRA or 401(k) once you reach age 73. Use it each year to avoid the 25% excise tax penalty for missing your RMD deadline.
401(k) Contribution Calculator
Shows your total annual 401(k) contributions including your own deferrals and employer matching dollars. Use it to find the minimum contribution needed to capture the full employer match and estimate your tax savings.
Retirement Withdrawal Calculator
Estimate how much you can safely withdraw from your retirement portfolio each year, adjusted for inflation. Use this when planning annual spending in retirement under the 4% rule or a custom rate.
Required Minimum Distribution (RMD) Calculator
Calculate the IRS-mandated minimum amount you must withdraw from your 401(k) or IRA each year once you reach age 73. Use this each December to avoid the steep 25% IRS penalty for under-withdrawing.
Pension Lump Sum vs Annuity Calculator
Compare the long-term financial value of taking a pension as a one-time lump sum versus a guaranteed monthly annuity. Use this at retirement when your employer presents both options and you need a data-driven choice.
Social Security Break-Even Calculator
Find the age at which waiting to claim Social Security benefits catches up to claiming early. Use this when deciding whether to start benefits at 62, your full retirement age, or delay to 70 for maximum monthly income.
Retirement Savings Goal Calculator
Calculate how much you need to save in today's dollars to fund your desired retirement lifestyle, based on income replacement and expected investment growth. Use this when setting a long-term savings target at any career stage.
Catch-Up Contribution Calculator
Estimates your retirement balance at age 65 when you add IRS catch-up contributions on top of regular savings. Ideal for workers 50+ who want to accelerate retirement savings in their final working years.
Roth IRA Conversion Calculator
Estimates the net long-term benefit of moving traditional IRA funds into a Roth IRA after accounting for taxes paid now versus taxes avoided later. Use it when evaluating whether a conversion makes sense in a low-income year.
Retirement Income Gap Calculator
Calculates the annual shortfall between what you'll spend in retirement and the income you'll receive from Social Security, pension, and portfolio withdrawals. Use it to pinpoint exactly how much extra saving or income you need.
FIRE Early Retirement Calculator
Estimates the number of years until you reach Financial Independence and can Retire Early (FIRE) based on your income, expenses, savings, and investment return. Perfect for anyone pursuing aggressive early retirement planning.
401(k) Retirement Calculator
Projects your 401(k) balance at retirement by combining your current balance, salary contributions, and employer matching, compounded over time. Use it when evaluating how contribution rate changes affect your final nest egg.
Social Security Benefits Calculator
Estimate your monthly Social Security retirement benefit based on your lifetime earnings, years worked, and the age you choose to start claiming. Useful when planning retirement timing.
Retirement Income Calculator
Calculate your estimated total monthly retirement income by combining investment account withdrawals, pension payments, and Social Security. Ideal for retirement readiness planning.
Retirement Tax Calculator
Estimate the federal income tax owed on your retirement income from 401(k) withdrawals, pensions, Social Security, and other sources. Helpful when projecting after-tax retirement cash flow.
Medicare Supplement Calculator
Estimate your total annual Medicare healthcare costs by combining Part B, Part D, and Medigap premiums with projected out-of-pocket medical expenses adjusted for your health status.
401(k) Contribution Limit Calculator
Find out your maximum allowable 401(k) contribution for the year, including catch-up contributions if you're 50+, and see how much your employer match adds to your total. Great for annual benefits enrollment.
Social Security Benefits Calculator
Estimates your monthly Social Security retirement benefit based on average earnings, years worked, and chosen retirement age. Use it when planning retirement to compare early vs. full vs. delayed claiming strategies.
Roth IRA Conversion Calculator
Calculates the after-tax future value of converting a traditional IRA to a Roth IRA versus keeping it as-is. Use it when evaluating whether a conversion makes sense given your current and expected future tax rates.
Retirement Income Gap Calculator
Calculates the annual income shortfall between what you want to spend in retirement and what your savings, Social Security, and pension will actually provide. Use it to determine how much additional savings you need to bridge the gap.
Retirement Catch-Up Contribution Calculator
Calculates the extra annual contribution you need to make — beyond your current contributions — to hit your retirement savings goal on time. Ideal for savers over 50 who are behind their target.
401(k) Retirement Savings Calculator
Projects your 401(k) balance at retirement by modeling annual contributions, employer matching, salary growth, and investment returns year by year. Use it when optimizing how much to contribute to maximize your employer match and long-term wealth.
4% Rule Retirement Withdrawal Calculator
Estimate how much you can safely withdraw from your retirement portfolio each year. Use this when planning annual retirement income to avoid outliving your savings.
Retirement Nest Egg Calculator
Find the total portfolio size you need to fund your desired retirement lifestyle. Use it when setting long-term savings goals based on your expected income gap.
Pension vs Lump Sum Calculator
Compare whether a monthly pension annuity or a one-time lump sum payout is worth more in today's dollars. Use this at retirement when your employer offers both options.
Retirement Healthcare Cost Calculator
Project your total lifetime healthcare expenses in retirement, including pre-Medicare and Medicare-covered years. Use this when building a comprehensive retirement savings plan.
Retirement Income Replacement Calculator
Calculate the percentage of your current income you will realistically need in retirement after adjusting for taxes, savings, work expenses, and lifestyle changes.