Retirement & Planning Calculators
Retirement planning works best when you start early and revisit your numbers often. Our nine retirement and financial planning calculators help you answer the most important question: will I have enough? Estimate your 401k balance at retirement age with employer matching factored in. Project IRA growth under Roth or Traditional rules. Model Social Security benefits at different claiming ages to find your break-even point. Calculate pension payouts, annuity income streams, CD maturity values, and bond returns. And when you need to bring it all together, the budget calculator helps you map monthly income against expenses so you know exactly where your money goes. Every tool is free, runs in your browser, and requires no account.
Retirement Accounts
Project growth of 401k, IRA, and pension accounts through retirement.
Retirement Calculator
See if your savings and contributions put you on track to retire.
401k Calculator
Estimate 401k growth with employer match and contribution limits.
IRA Calculator
Compare Traditional and Roth IRA projections over time.
Social Security Calculator
Compare benefits at ages 62, full retirement age, and 70.
Pension Calculator
Estimate defined-benefit pension payouts at retirement.
Income & Savings
Annuities, CDs, bonds, and budgeting for retirement income planning.
Annuity Calculator
Calculate guaranteed income from annuity premium payments.
CD Calculator
Project certificate of deposit maturity value and APY earnings.
Bond Calculator
Calculate bond price, yield to maturity, and coupon income.
Budget Calculator
Map income vs. expenses to find your monthly savings capacity.
Frequently Asked Questions
How much do I need to save for retirement?
A common guideline is to aim for 25 times your expected annual expenses in retirement (the 4% rule). Use our retirement calculator to enter your age, savings rate, expected returns, and desired retirement income to get a personalized target based on your actual situation.
What is the difference between a 401k and an IRA?
A 401k is an employer-sponsored plan with higher contribution limits and possible employer matching. An IRA (Individual Retirement Account) is opened independently, offers more investment choices, and has lower contribution limits. Both provide tax advantages, either tax-deferred or tax-free growth depending on the account type.
When should I start collecting Social Security?
You can start at 62 with reduced benefits, collect full benefits at your full retirement age (66-67 depending on birth year), or delay until 70 for the maximum monthly amount. Delaying increases your benefit by about 8% per year after full retirement age. Our calculator helps you compare the total payout under each scenario.
How do annuities work for retirement income?
An annuity converts a lump sum into guaranteed periodic payments for a set period or for life. Fixed annuities provide predictable income while variable annuities tie payments to investment performance. Our calculator shows how different premium amounts and payout options affect your retirement income stream.