Retirement Calculators
15 free calculators in this category
Plan for life after work — model 401(k)s, IRAs, Social Security, required distributions, and whether your nest egg lasts, all in today’s money.
Retirement
→Model contributions, employer match, and withdrawals to see whether your nest egg lasts through retirement.
FIRE
→Your financial-independence number, years to reach it, your Coast FIRE figure, and savings rate — all in today’s money.
Roth vs Traditional
→After-tax retirement outcomes for Roth vs Traditional — including investing the up-front tax saving and your break-even tax rate.
401(k)
→Project your 401(k) with the real IRS contribution limits and catch-up — and see the employer match you’re leaving on the table.
Roth IRA
→Project tax-free Roth growth within the IRS contribution limits, and see exactly how much the tax-free growth beats a taxable account.
RMD
→Required minimum distributions using the real IRS Uniform Lifetime Table, projected across every year with the estimated tax on each.
Social Security
→Estimate your benefit with the real PIA bend-point formula, and see how claiming from 62 to 70 changes your monthly check.
403(b)
→403(b) balance at retirement from your contribution rate, employer match, and expected return — the tax-deferred plan for school and non-profit staff
Retirement Withdrawal
→How long your savings last under inflation-indexed withdrawals — with the 4% rule amount and your starting withdrawal rate, so you can pressure-test a drawdown plan.
Pension Lump Sum
→Pension lump sum vs the present value of the monthly pension — the payout rate and which option is worth more at your assumed return and lifespan
SS Break-Even
→The age at which delaying Social Security overtakes claiming early — the lifetime crossover between a smaller check sooner and a larger one later.
Annuity Payout
→The level monthly income a lump-sum premium buys over a fixed term — plus total payout and interest — for a period-certain immediate annuity.
Coast FIRE
→Coast FIRE — whether you've saved enough that growth alone, with no further contributions, carries you to financial independence — and the gap to it
Barista FIRE
→The smaller nest egg you need when part-time income covers part of your expenses — your Barista FIRE number, when you reach it, and how it compares with full FIRE.
Backdoor Roth
→How much of a backdoor Roth conversion is taxable under the IRS pro-rata rule — the exact Form 8606 line-by-line arithmetic, with the aggregation trap and the basis you carry forward.