Finance cluster
Retirement Calculators
Retirement calculators for contribution planning, account comparisons, withdrawal timing, pension estimates, and long-run savings durability.
Top calculators
A short starting set for the most common retirement calculators workflows.
Retirement Savings Calculator – Plan Retirement Nest Egg
Estimate your retirement savings with our Retirement Savings Calculator. Plan your financial future today!
401(k) Growth Calculator | Estimate Retirement Savings, Employer Match, and Investment Growth
Use this 401(k) growth calculator to estimate how your retirement balance may grow over time with your current balance, salary, annual salary growth, employee contributions, employer match, and investment returns.
Roth vs Traditional IRA Calculator | After-Tax Comparison
Compare Roth vs Traditional IRA outcomes by modeling after-tax retirement balances based on your current vs future tax rates, contribution amount, return ass...
401(k) Employer Match Calculator - Boost Retirement Savings
Estimate how employer matching contributions can grow your 401(k) and project the future value of your retirement account.
Retirement Nest Egg Longevity Calculator - Estimate How Long Savings Last
Project future years your retirement savings will last based on withdrawals, investment return, and inflation.
Monte Carlo Retirement Simulator - Forecast Portfolio Longevity
Run a simplified Monte Carlo simulation to estimate how long your retirement savings may last under varying market returns. Explore different spending, retur...
72(t) SEPP Calculator (Substantially Equal Periodic Payments)
Estimate annual 72(t) SEPP withdrawals from an IRA or other tax-deferred retirement account using age, balance, and an interest-rate assumption. Compare RMD, fixed amortization, and fixed annuitization methods.
Retirement Age Calculator - Plan Your Future Finances
Estimate the age when your savings will let you retire. Enter your current savings, contributions, and expected returns to see when you can reach your goal.
All calculators in this cluster
Browse 73 calculators matched to this topic, or return to the Finance category.
1099 vs W-2 Tax Calculator: Compare Take-Home Pay
Compare W-2 and 1099 take-home value with 2026 payroll tax data, self-employment tax, PTO, health insurance, retirement match, benefits, and expenses.
401(k) Catch-Up Contribution Calculator - Boost Retirement Savings
Estimate how 401(k) catch-up contributions after age 50 can boost your retirement balance. Compare projected balances with and without catch-up deposits, inc...
401(k) Early Withdrawal Penalty Calculator
Estimate taxes and penalties for taking early distributions from a 401(k) retirement account.
401(k) Employer Match Calculator - Boost Retirement Savings
Estimate how employer matching contributions can grow your 401(k) and project the future value of your retirement account.
401(k) Growth Calculator | Estimate Retirement Savings, Employer Match, and Investment Growth
Use this 401(k) growth calculator to estimate how your retirement balance may grow over time with your current balance, salary, annual salary growth, employee contributions, employer match, and investment returns.
401(k) Loan Repayment Calculator - Estimate Payroll Deductions and Lost Growth
Figure out your payment schedule and potential opportunity cost when borrowing from retirement funds with this 401(k) Loan Repayment Calculator.
401(k) Loan vs Personal Loan Calculator - Compare Borrowing Costs
Estimate the true cost of borrowing from your 401(k) against taking a personal loan by modeling interest, lost investment growth and tax drag.
529 to Roth IRA Rollover Planner (SECURE 2.0) | 5-Year Schedule
Plan a 5-year schedule for moving eligible 529 funds into a beneficiary’s Roth IRA under SECURE 2.0. Estimates annual rollover amounts based on the 15-year rule, 5-year contribution lookback, earned income, annual Roth limit, and the $35,000 lifetime cap.
72(t) SEPP Calculator (Substantially Equal Periodic Payments)
Estimate annual 72(t) SEPP withdrawals from an IRA or other tax-deferred retirement account using age, balance, and an interest-rate assumption. Compare RMD, fixed amortization, and fixed annuitization methods.
Annuity Payment Calculator - Plan Regular Withdrawals
Estimate periodic annuity payments, total interest, and remaining balance using the present value, rate, and term.
Backdoor Roth IRA Tax Calculator - Pro-Rata Rule Explained
Use this backdoor Roth IRA calculator to estimate the taxable portion of a Roth conversion under the pro‑rata rule and see how much IRA basis remains afterward.
Barista FIRE Calculator - Part-Time Income FI Planner
Estimate your Barista FIRE target by combining lean spending with part-time income. Calculate your FI number, years to independence, and progress.
Benefits Package Total Compensation Calculator | AgentCalc
Estimate your true total compensation by combining base salary, bonus, employer 401(k) match, health premium contributions, and PTO value. Compare job offers with a clear annual compensation breakdown.
Can I Afford It? Calculator – Check if a Purchase Fits Your Budget
Figure out if a purchase fits your budget using simple personal finance rules for emergency funds, debt, retirement savings, and cash flow. Enter your number...
Cash Balance Pension Contribution Calculator | Estimate Funding and Deductible Contributions
Estimate annual cash balance pension plan funding, baseline pay and interest credits, projected retirement balance, and an approximate maximum deductible contribution.
CD Early Withdrawal Penalty Calculator - Know Your Payout
Estimate the interest lost and net payout when cashing out a certificate of deposit before maturity.
Coast FIRE Calculator | Find Your Coast Number and FI Target
Use this Coast FIRE calculator to estimate your FI number, the amount you need invested today to coast to retirement, and how far your current portfolio is from that milestone.
CPP Retirement Benefit Estimator | Estimate Your Canada Pension Plan Pension
Estimate your Canada Pension Plan retirement pension using average pensionable earnings, contribution years, dropout months, inflation, and start-age adjustments.
Fat FIRE Calculator - High-Spend Financial Independence
Plan a Fat FIRE retirement with higher spending assumptions. Estimate your luxury-adjusted FI number, timeline, and progress with real returns.
Federal Employee Leave Accrual & Payout Calculator | AgentCalc
Calculate annual and sick leave accrual for federal employees. Estimate vacation payout at retirement, plan leave usage, and track leave balances.
Federal Employee Retirement Optimizer | FERS Pension and TSP Calculator
Estimate your FERS pension using a High-3 salary approximation, project TSP growth with contributions and employer match, and compare retirement ages for a clearer federal retirement planning picture.
FERS High-3 Bridge Retirement Gap Planner
Estimate your FERS annuity, special retirement supplement, and TSP drawdown needs to bridge the gap between a high-3 pension and your target income.
FICA Tax Calculator - Social Security and Medicare Withholding
Estimate Social Security and Medicare payroll taxes using 2024 FICA rates and wage bases. Includes detailed explanation, MathML formulas, and reference tables.
Financial Independence Calculator - FIRE Number and Timeline
Estimate your financial independence number and years to FIRE using expenses, savings, and investment returns.
FIRE Calculator - Financial Independence
Calculate how many years it may take to achieve financial independence and retire early using projected savings, investment returns, and annual expenses.
Inflation-Adjusted Retirement Contribution Calculator - Plan Future Savings
Estimate how annual inflation and raises affect your retirement contributions. Enter your monthly amount, expected investment return, inflation rate, and years to project.
Inflation-Resilient Retirement Withdrawal Calculator
Plan conservative retirement withdrawals that adjust for inflation while protecting principal and honoring guardrails.
Inherited IRA Distribution Calculator (SECURE Act 10-Year Rule & Life Expectancy)
Estimate a year-by-year inherited IRA withdrawal schedule under SECURE Act rules. Compare 10-year, 5-year, and life-expectancy style distributions with a simple growth assumption.
Inherited IRA RMD Calculator (SECURE Act 10-Year Rule) | AgentCalc
Estimate inherited IRA withdrawals under the SECURE Act 10-year rule. Model annual distributions, growth, taxes, and strategy tradeoffs for traditional or Roth inherited IRAs.
IRA Contribution Limit Calculator - 2024 Eligibility
Estimate your maximum IRA contribution for traditional or Roth accounts in 2024 based on age, income, and filing status. Includes detailed explanation with MathML and reference tables.
Lean FIRE Calculator - Minimalist Early Retirement Planner
Plan a lean FIRE timeline with clear assumptions. Estimate your FI number, years to financial independence, and how savings rate and returns change the plan.
Long-Term Disability Income Gap Planner
Analyze your long-term disability income coverage, identify monthly income gaps, and compare policy options with this planner.
Lottery Lump Sum vs Annuity Calculator - Compare Jackpot Payout Options
Use this lottery lump sum vs annuity calculator to compare an after-tax lump sum with the present value of after-tax annuity payments. Learn how taxes, discount rates, and payout years affect the decision.
Medicare IRMAA Roth Conversion Impact Planner
Model how a Roth IRA conversion changes your Medicare IRMAA brackets, Part B and Part D premiums, and effective marginal costs, then export comparison scenarios for long-term retirement planning.
Mega Backdoor Roth Calculator - Maximize After-Tax 401(k) Contributions
Estimate available after-tax 401(k) contribution space for executing the mega backdoor Roth strategy. Includes formulas, detailed explanation, and contribution tables.
Military Retirement Pay Calculator - Legacy High-36 and BRS Estimate
Estimate military retirement pay under Legacy High-36 and BRS formulas, compare monthly pension income, and model an optional TSP withdrawal for planning.
Military Service Retirement & Pension Calculator - AgentCalc
Estimate military retirement pay under the High-3, Blended Retirement System (BRS), TSP-only, or FERS. Compare service lengths, Survivor Benefit Plan costs, lifetime pension projections, and explore an optional retirement-themed mini-game.
Monte Carlo Retirement Simulator - Forecast Portfolio Longevity
Run a simplified Monte Carlo simulation to estimate how long your retirement savings may last under varying market returns. Explore different spending, retur...
Net Worth Percentile & Wealth Position Calculator | Compare Your Wealth by Age
Estimate your age-based net worth percentile, compare your balance sheet with approximate U.S. household medians, and review a simple wealth-position summary.
Pension Income Projection Calculator - Plan Your Retirement
Forecast annual pension benefits based on years of service, final salary, and a defined benefit multiplier.
Pension Lump Sum vs Annuity Calculator - Optimize Retirement Payouts
Compare the present value of annuity payments against a one-time lump sum to decide how to receive your pension.
QLAC Allocation & RMD Reduction Planner
Model how purchasing a Qualified Longevity Annuity Contract shrinks required minimum distributions and compare scenarios with exportable tables.
Required Minimum Distribution Calculator - Retirement Withdrawals
Use this Required Minimum Distribution (RMD) calculator to estimate your annual withdrawal based on your age and prior year-end balance using the IRS Uniform Lifetime Table.
Reserve Component Retirement Point Forecaster
Project Army, Navy, Air Force, Marine Corps, or Coast Guard Reserve retirement points, confirm you will earn enough good years, and test alternative drill or mobilization plans.
Reserve Component Retirement Points Forecast Calculator
Project National Guard or Reserve retirement points, early pay eligibility, and estimated pension based on drill schedules and active-duty days.
Retirement Age Calculator - Plan Your Future Finances
Estimate the age when your savings will let you retire. Enter your current savings, contributions, and expected returns to see when you can reach your goal.
Retirement Nest Egg Longevity Calculator - Estimate How Long Savings Last
Project future years your retirement savings will last based on withdrawals, investment return, and inflation.
Retirement Savings Calculator – Plan Retirement Nest Egg
Estimate your retirement savings with our Retirement Savings Calculator. Plan your financial future today!
Roth Conversion Ladder Calculator | Model 5-Year Seasoning and Annual Roth Conversions
Estimate annual Roth conversions, tax cost, Roth growth, and when each conversion rung becomes seasoned under a simplified 5-year Roth conversion ladder model.
Roth Conversion Tax Impact Calculator - Plan Your Retirement Move
Estimate taxes owed when converting a traditional IRA to a Roth. Enter balances, tax rate, and projected growth to see if a conversion makes sense.
Roth IRA Conversion Calculator – Analyze Traditional to Roth IRA
Use this calculator to evaluate Roth IRA conversions by comparing tax costs now versus future savings and optimizing your conversion strategy.
Roth vs Traditional 401(k) Calculator | Compare After-Tax Retirement Value
Use this Roth vs Traditional 401(k) calculator to compare after-tax retirement outcomes based on contribution amount, growth rate, years to retirement, and tax rates now versus retirement.
Roth vs Traditional IRA Calculator | After-Tax Comparison
Compare Roth vs Traditional IRA outcomes by modeling after-tax retirement balances based on your current vs future tax rates, contribution amount, return ass...
Roth vs. Traditional (Pre-Tax) 401(k) Break-Even Calculator
Compare Roth vs. traditional (pre-tax) 401(k) contributions, include reinvested tax savings in a taxable account, and estimate the future marginal tax rate where both strategies break even.
RRSP Contribution Room Calculator (Canada) - Estimate Your 2024 Deduction Limit
Estimate your available 2024 RRSP contribution room using earned income, carry-forward room, pension adjustments, and planned contributions. Includes tax savings estimates and an optional RRSP mini-game.
Rural Volunteer Fire Radio Upgrade Budget Planner (Reserve & Funding Schedule)
Estimate the full cost of a rural volunteer fire department radio upgrade (equipment, accessories, programming, training, and maintenance) and model reserve contributions, interest, grants, and fundraising over time.
Safe Withdrawal Rate Calculator - Plan Sustainable Retirement
Estimate a sustainable retirement withdrawal plan with our Safe Withdrawal Rate Calculator. Discover how much you can withdraw each year without depleting your savings.
Salary Negotiation Counter-Offer Analyzer - Career Income Calculator
Analyze job offer salary negotiations and calculate counter-offer impact on lifetime career earnings. Compare multiple offers accounting for benefits, equity, bonuses, and career growth.
SBP Premium Calculator (Military) – Estimate Monthly Cost & Annuity
Estimate SBP monthly premium and survivor annuity (55% of base) for spouse, spouse & child, or child-only coverage. Includes examples and limitations.
SECURE 2.0 Student Loan Match Optimizer - Maximize Retirement Support
Model how student loan payments can qualify for employer retirement matches under SECURE 2.0 and find the optimal 401(k) deferral to capture every dollar.
Self-Employment Tax Calculator - Estimate Social Security and Medicare
Compute self-employment tax on net earnings including Social Security and Medicare components. See how W-2 wages affect the calculation.
SEP IRA Contribution Calculator for Self-Employed
Estimate your maximum deductible SEP IRA contribution on self-employment or W-2 income, apply IRS compensation caps, and compare with Solo 401(k) options.
Sequence of Returns Risk Calculator - Retirement Portfolio Risk
Calculate sequence of returns risk (SoRR) for retirement portfolios. Model portfolio withdrawal impacts during different market sequences, especially early retirement bear markets.
Social Security Benefit Projection Calculator - Plan Future Income
Estimate your potential Social Security monthly benefit using your expected retirement age, average earnings, and cost-of-living adjustments.
Social Security Break-Even Age Calculator (62 vs FRA vs 70)
Estimate your Social Security break-even age and compare cumulative lifetime benefits when claiming at 62, full retirement age (FRA), or 70. Includes optional COLA and present-value discounting.
Social Security Claiming Strategy Calculator | Compare Ages 62 to 70
Compare Social Security claiming ages from 62 to 70. Estimate monthly benefits, cumulative benefits, and rough break-even ages using your PIA, full retirement age, life expectancy, inflation, and discount-rate assumptions.
Social Security WEP Reduction Strategy Planner
Estimate how the Windfall Elimination Provision alters your Social Security retirement benefit, test extra years of substantial earnings, and document strategies to soften the reduction.
Solo 401(k) Contribution Split Planner
Calculate the optimal mix of employee deferrals and employer profit-sharing contributions for a solo 401(k), check catch-up eligibility, and export a compliance-ready breakdown.
Solo 401(k) vs. SEP IRA Contribution Optimizer
Estimate the maximum contributions allowed under Solo 401(k) and SEP IRA plans based on business type, net income, and catch-up rules.
Solo 401k Contribution Calculator - Maximize Self-Employed Retireme...
Estimate the maximum Solo 401k contribution based on self-employment income, age, and business type. Includes detailed explanations, formulas, tables, and ex...
Take Home Pay Calculator - Estimate Paycheck Withholding
Calculate estimated federal, state, and FICA deductions to see your net paycheck using this Take Home Pay Calculator.
Volunteer Fire Department Equipment Replacement Planner
Plan apparatus replacement timelines by combining grants, fundraising, and maintenance savings for volunteer fire departments.
World's Most Advanced Mortgage Calculator - Calculate Your Payments
Fully customize your mortgage payments with down payment, taxes, insurance, PMI, HOA fees and extra principal. View a detailed amortization schedule.