Retirement Calculators
401(k) Calculator
Project your 401(k) balance at retirement using your monthly contribution, employer match with salary cap, and expected annual return rate over time.
Annuity Payout Calculator
Calculate the periodic payout from an annuity principal using amortization math, across monthly, quarterly, semi-annual, or annual schedules.
Barista FIRE Calculator
Calculate the smaller portfolio needed for Barista FIRE once part-time income after leaving full-time work covers part of your annual expenses.
Coast FIRE Calculator
Find the Coast FIRE number your current savings need to reach today so compounding alone carries you to your FIRE number by retirement age.
Financial Independence Calculator
Turn your annual income and expenses into a savings rate, an FI number, and an estimated timeline to reach financial independence.
FIRE Calculator
Calculate your FIRE number from annual expenses and a chosen withdrawal rate, and estimate the years to financial independence from your savings.
IRA Contribution Calculator
Determine your maximum allowed IRA contribution for 2025, including the age-50 catch-up, earned income cap, and Roth income phase-out ranges.
Pension Calculator
Calculate your defined-benefit pension payout from final average salary, years of service, and accrual rate, including the 100%-of-salary benefit cap.
Required Minimum Distribution Calculator
Calculate your required minimum distribution from a tax-deferred account using the IRS Uniform Lifetime Table factor for your exact age.
Retirement Income Calculator
Combine sustainable portfolio withdrawals with expected Social Security and pension income to estimate your total monthly retirement income.
Retirement Planner Calculator
Compare your projected retirement savings against the nest egg required for your desired income, adjusted for inflation and withdrawal rate.
Retirement Savings Calculator
Project retirement savings growth from a starting balance, monthly contributions, and return rate, with an optional inflation adjustment for real value.
Rollover Calculator
Compare rolling over a 401(k) to a new account against cashing out, accounting for income tax, the 10% early withdrawal penalty, and lost growth.
Roth IRA Calculator
Project tax-free Roth IRA growth from your contributions and expected return rate, with the 2025 IRS annual contribution limit applied automatically.
Social Security Calculator
Estimate your Social Security benefit using the SSA's bend-point formula and the exact early-claiming reduction or delayed-credit increase for your age.
Planning for a Number Decades Away
Retirement planning asks people to make decisions today whose consequences won't be clear for decades, which is exactly where a calculator earns its value — turning a vague goal like "retire comfortably" into a specific savings rate, withdrawal plan, or target date. Fifteen calculators here cover traditional retirement accounts, Social Security timing, and the FIRE (Financial Independence, Retire Early) movement's specific milestones.
Popular Retirement Calculators
Highlights across accounts, income planning, and early retirement:
- 401(k) Calculator — projects account growth from contributions, employer match, and expected returns over time.
- Social Security Calculator — estimates benefit amount based on earnings history and claiming age.
- FIRE Calculator — calculates the portfolio size needed to sustain early retirement using a target withdrawal rate.
- Required Minimum Distribution Calculator — calculates the mandatory annual withdrawal amount from retirement accounts after the required starting age.
- Roth IRA Calculator — projects tax-free growth and compares against traditional IRA outcomes.
Why Claiming Social Security Early Isn't Automatically the Wrong Choice
Claiming Social Security before full retirement age permanently reduces the monthly benefit, while delaying past full retirement age (up to age 70) increases it — but the "right" choice depends heavily on health, other income sources, and how long benefits are expected to be collected, not simply maximizing the monthly check. Someone with a shorter expected retirement or an immediate income need may come out ahead claiming earlier despite the smaller check, which is why Social Security calculators model breakeven ages across claiming strategies rather than declaring one age universally optimal.
Frequently Asked Questions
What's the difference between FIRE, Coast FIRE, and Barista FIRE?
Full FIRE means having enough invested to cover all expenses without working; Coast FIRE means having enough invested that it will grow to full FIRE by traditional retirement age without further contributions; Barista FIRE means having enough saved to cover most expenses while still working part-time for the remainder.
Why does required minimum distribution exist at all?
Traditional retirement accounts defer taxes until withdrawal, so RMDs ensure the government eventually collects tax on that deferred income rather than allowing indefinite tax-free growth.
Explore More
Planning broader investment strategy too? See the Finance Calculators, or check home equity as a retirement asset in the Real Estate Calculators.