47 calculators
Retirement & Planning
401(k), Roth, IRA, RMDs and full retirement projections — the deepest set in the library.
Retirement planning reduces to a short chain: the income you'll want, the income you'll already have, and the nest egg needed to fill the gap. These calculators run that chain and the decisions inside it — accounts, the Roth question, Social Security and withdrawals.
Build a full plan, find your nest-egg target, and pressure-test the choices that move the number most: your contribution rate, your account mix, and when to claim.
Read the complete retirement guideAll 47 retirement calculators
401(k) Calculator A 401(k) can be one of your best tools for creating a secure retirement. Use this calculator to see why this is a retirement savings plan you cannot afford to pass up. 401(k) Contribution Effects on Your Paycheck Calculator Use this calculator to see how increasing your contributions to a 401(k) plan can affect your paycheck as well as your retirement. 401(k) Savings with Profit Sharing Use this calculator to show how a 401(k) with profit sharing plan can help you save for retirement.. 401(k) Spend It or Save It Calculator There are several ways to manage your 401(k) when you leave an employer. Making the wrong decision can cost you thousands of dollars both in taxes and lost earnings. 403(b) Savings Calculator If you are an employee of a non-profit tax-exempt organization, a 403(b) can be one of your best tools for creating a secure retirement. 457 Plan Contribution Effects on Your Paycheck Calculator Use this calculator to see how increasing your contributions to a 457 plan can affect your paycheck as well as your retirement. 457 Plan Withdrawal Calculator Use this calculator to see what your net 457 plan withdrawal would be after taxes are taken into account. 457 Plan: Roth vs. Pre-tax Calculator Use this calculator to help determine whether a Roth or Pre-tax 457 might be best for you. 457 Savings Calculator A 457 plan can be one of your best tools for creating a secure retirement. Use this calculator to see why this is a retirement savings plan you cannot afford to pass up. 457(b) Special Catch-Up Election Contribution Calculator Use this calculator to help determine if you are eligible for the 457(b) 3-year Special Catch-Up election and if so, how much you can contribute to your employer's 457(b) retirement plan in the current year. 72(t) Calculator The IRS Rule 72T allows for penalty free, early withdrawals from retirement accounts. Use this calculator to determine your allowable 72T Distribution and how it can help fund your early retirement. 72(t) Distribution Impact This calculator is designed to examine the affects of 72T distributions on your retirement plan balance. Beneficiary Required Minimum Distributions (RMD) Use this calculator to determine your Required Minimum Distributions (RMD) as a beneficiary of a retirement account. Company Stock Distribution Analysis Calculator If you own company stock in a retirement plan you may be able to take advantage of using the long term capital gains tax rate rather than your ordinary income tax rate on this investment. How Important is Social Security? Use this calculator to determine how losing this important retirement asset could affect you. How long will my retirement savings last Calculator Use this calculator to see how long your retirement savings will last based on your retirement savings and your inflation adjusted withdrawals. Individual 401(k) Contribution Comparison Use this calculator to determine your maximum Individual 401(k) contribution as compared to three other possible plan options. Individual 401(k) Savings Calculator Use this calculator to see the benefits of an Individual 401(k) for the self-employed. IRA Spend It or Save It Calculator Spending your IRA before you retire can be a costly decision. See how taking out your IRA early could cost you thousands of dollars both in taxes and lost earnings. Pension Plan Retirement Options Use this calculator to help decide between joint survivorship and single survivorship pension options. Required Minimum Distribution (RMD) Use this calculator to determine your Required Minimum Distributions (RMD) as an account owner of a retirement account. This financial calculator will also look at potential future year's distribution requirements. Required Minimum Distribution (RMD) - Current Year Use this calculator to determine your Required Minimum Distributions (RMD) as an account owner of a retirement account for the current year. Retirement Account Contribution Accelerator Use this calculator to see how increasing your contributions to a qualified retirement plan can help save for your retirement. Retirement Contribution Effects on Your Paycheck Calculator Use this calculator to see how increasing your contributions to a 401(k), 403(b) or 457 plan can affect your paycheck as well as your retirement. Retirement Income Calculator Use this calculator to determine how much monthly income your retirement savings may provide you in your retirement. Retirement Nestegg Calculator Do you know how much it takes to create a secure retirement? Use this calculator to help determine what size your retirement nestegg should be. Retirement Pension Planner Calculator Plan your retirement with a company pension, find out if you are on track - and learn how to stay there. Retirement Plan Withdrawal Calculator Use this calculator to see what your net withdrawal would be after taxes and penalties are taken into account. Retirement Planner Calculator Quickly determine if your retirement plan is on track - and learn how to keep it there. Retirement Planner for Two Working Spouses Plan your retirement for a household that has two working spouses. Find out if you are on track - and learn how to stay there. Retirement Planner with Retirement Earnings Calculator Plan your retirement with pension and possible retirement employment income. Find out if you are on track - and learn how to stay there. Retirement Planner with Taxes for a Deferred Retirement Savings Plan Plan your retirement with the impact of a changing tax rate in retirement. This calculator is designed to model the impact of a tax deferred plan like an Traditional IRA or 401(k) and possible changes to your tax burden in retirement. Retirement Shortfall Calculator Running out of your retirement savings too soon is one of the biggest risks to a comfortable retirement. Use this calculator to find a potential shortfall in your current retirement savings plan. RMD & Stretch IRA Calculator Use this calculator to help determine how you can stretch out your retirement plan distributions for as long as possible. Roth (after-tax) Account or Pre-Tax Account? Starting in 2006, you may have the option to contribute to Roth account. Use this calculator to help determine which retirement plan option might be best for you. Roth 401(k) Conversion Calculator This calculator will show the advantage, if any, of converting your pre-tax 401(k) to a Roth 401(k). Roth 401(k) vs. Traditional 401(k) Calculator Use this calculator to determine which 401(k) contribution type might be right for you. Roth 403(b) vs. Traditional 403(b) Calculator Use this calculator to determine which 403(b) contribution type might be right for you Roth Contributions Within Your Retirement Plan Use this calculator to help determine the impact of roth contributions within your retirement plan and your paycheck. Roth IRA Calculator Use this calculator to compare the Roth IRA to an ordinary taxable investment. Roth IRA Conversion Calculator This calculator will show the advantage, if any, of converting your IRA to a Roth. Roth IRA Conversion with Distributions Calculator Use this calculator to help determine how you can stretch out your retirement plan distributions for as long as possible. Roth IRA vs. Traditional IRA Calculator Use this calculator to determine which IRA may be right for you. Roth vs. Traditional 401(k) and your Paycheck See how a Roth vs. Traditional 401(k) might affect your take home pay as well as your retirement savings. Should you borrow from a 401(k) or 403(b)? The majority of 401(k) plans and a growing number of 403(b) plans let you borrow money from your account. Use this calculator to help you determine if you should borrow, and the potential impact on your retirement savings. Social Security Benefit Calculator Use this calculator to estimate your Social Security benefits. Traditional IRA Calculator How can contributing to a regular IRA help you in your retirement?
Calculator FAQ
Which retirement calculator should I start with?
Start with the nest-egg calculator to find your target, then the retirement planner to see whether you are on track. Use the 401(k) and Roth-vs-traditional tools for the account decisions along the way.
Do these calculators include Social Security?
Several do. The Social Security benefit calculator estimates your benefit by claiming age, and the retirement planner lets you fold guaranteed income in, so your savings only need to fund the remaining gap.
Are these retirement calculators free?
Yes — free with no account needed. Run different retirement ages, contribution rates and returns to stress-test your plan as often as you like.