Retirement planning tools built on real data
Every calculator below uses publicly available data from the IRS, Social Security Administration, and major financial research institutions. All assumptions are visible and adjustable. No black boxes, no registration, no sales pitch.
Retirement Planning
Figure out where you stand and what needs to change.
Retirement Calculator
LiveProject your savings growth, estimate your retirement income gap, and see a year-by-year trajectory. The starting point for any plan.
Open calculatorEarly Retirement Calculator
Coming soonModel retirement before 59 1/2 with bridge income strategies, Rule of 55 access, and healthcare cost planning.
FIRE Calculator
Coming soonCalculate your financial independence number, savings rate, and years to FIRE based on your spending and investment growth.
Retirement Income Calculator
Coming soonSee how long your savings will last with different withdrawal rates, Social Security timing, and spending assumptions.
Couples Retirement Calculator
Coming soonPlan for two. Combine both partners' savings, Social Security benefits, and retirement ages into one projection.
Self-Employed Retirement Calculator
Coming soonCompare SEP IRA, Solo 401(k), and SIMPLE IRA options side by side based on your self-employment income.
Account Types
Understand contribution limits, tax treatment, and projected growth for each account.
401(k) Calculator
LiveProject 401(k) growth with employer match, catch-up contributions, fee impact analysis, and Roth vs Traditional comparison.
Open calculatorRoth IRA Calculator
LiveSee tax-free growth projections, check income eligibility, and compare Roth vs Traditional IRA outcomes.
Open calculatorRoth 401(k) Calculator
Coming soonProject after-tax growth in a Roth 401(k) with employer match and compare to Traditional 401(k) outcomes.
Traditional IRA Calculator
Coming soonEstimate tax-deferred growth, deduction eligibility, and compare Traditional vs Roth IRA strategies.
SEP IRA Calculator
Coming soonCalculate maximum employer contributions for self-employed individuals and small business owners.
403(b) Calculator
Coming soonProject growth for teachers, healthcare workers, and nonprofit employees with 403(b) plans.
457 Plan Calculator
Coming soonModel growth for state and local government employees. No early withdrawal penalty before 59 1/2.
TSP Calculator
Coming soonProject Thrift Savings Plan growth for federal employees and military with FERS/BRS matching.
Solo 401(k) Calculator
Coming soonCalculate employee and employer contributions for self-employed individuals. Higher limits than SEP IRA.
SIMPLE IRA Calculator
Coming soonEstimate contributions for small businesses with fewer than 100 employees.
401(k) Loan Calculator
Coming soonSee the true cost of borrowing from your 401(k), including lost growth and repayment schedule.
Tools & Compare
Specialized tools and side-by-side comparisons to optimize your strategy.
Social Security Calculator
Coming soonEstimate your monthly benefit based on earnings history, claiming age, and spousal benefits.
Pension Calculator
Coming soonEstimate defined benefit pension income from salary history, years of service, and benefit formula.
RMD Calculator
Coming soonCalculate required minimum distributions based on account balance, age, and IRS life expectancy tables.
Compound Interest Calculator
Coming soonSee how time, contributions, and rate of return work together. Visualize the power of compound growth.
Retirement Tax Calculator
Coming soonEstimate your effective tax rate in retirement across federal, state, and Social Security taxation.
Roth vs Traditional 401(k)
Coming soonSide-by-side comparison showing which option puts more money in your pocket based on current and future tax rates.
IRA vs 401(k)
Coming soonCompare contribution limits, tax treatment, investment options, and flexibility between IRA and 401(k) accounts.
Annuity Calculator
Coming soonEstimate monthly income from an annuity purchase and compare to systematic withdrawal strategies.
Not sure where to start?
The main Retirement Calculator gives you the broadest view of where you stand. Start there, then explore specific account calculators to optimize your strategy.
Open Retirement Calculator