Retirement

Plan for retirement with calculators for 401(k)s, IRAs, Roth conversions, pensions, annuities, RMDs, Social Security, and the 4% rule.

16 free retirement tools, no signup.

• 4% Rule CalculatorEstimate a safe retirement withdrawal using the 4% rule, with annual and monthly amounts. Free and accurate.
• 401(k) CalculatorProject the future value of your 401(k) from your salary, contribution rate, employer match, expected return, and years to retirement. Free and accurate.
• 401(k) Contribution CalculatorSee your per-paycheck 401(k) contribution, the employer match you earn, and the annual total, capped at the 2024 IRS deferral limit.
• Annuity CalculatorCalculate the future value or present value of a monthly annuity, with support for ordinary annuities and annuities due.
• Annuity Payout CalculatorCalculate the monthly payout from a fixed annuity that depletes the principal over the term. Free and accurate.
• FIRE CalculatorFind your FIRE number and how many years of saving it takes to reach financial independence at your chosen withdrawal rate.
• IRA CalculatorProject the future value of an IRA from your current balance, annual contributions, and expected return. Free retirement savings calculator.
• Pension CalculatorEstimate a defined-benefit pension from final salary, years of service, and the plan accrual rate. Free annual and monthly pension calculator.
• Pension Lump Sum vs Annuity CalculatorCompare the monthly income a pension lump sum could generate against the offered monthly pension. Free and accurate.
• Retirement CalculatorProject how much your savings will be worth at retirement from your current age, retirement age, starting balance, monthly contributions, and expected return. Free and accurate.
• Retirement Savings CalculatorProject how much your retirement savings will grow from your current balance, monthly contributions, expected return, and time horizon. Free and accurate.
• Retirement Withdrawal CalculatorSee how much you can withdraw from a retirement nest egg and how long it lasts at a given return. Free calculator built around the 4% rule.
• RMD CalculatorEstimate your required minimum distribution from an IRA or 401(k) using the IRS Uniform Lifetime Table. Enter your balance and age.
• Roth IRA CalculatorProject the future value of your Roth IRA from a starting balance, annual contribution, expected return, and time horizon. See how much grows tax-free.
• Social Security CalculatorRough estimate of your monthly Social Security benefit at full retirement age using 2024 bend points, not official; not advice.
• Traditional vs Roth IRA CalculatorCompare the after-tax retirement value of a Traditional IRA versus a Roth IRA for the same yearly contribution.