Plan for life after work with tools that model 403(b) contributions, estimate Required Minimum Distributions (RMDs), project a Pension or Deferred Fixed Annuity payout, calculate the Future Value of an Annuity, and show how timing your Social Security claim shifts your lifetime income.
Browse the Most Popular list to see how others are approaching retirement planning, or open the Trending tab for tools gaining attention right now. Every calculator is free, needs no sign-up, and works on any device.
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401(k) Contribution Percentage CalculatorUS 401(k) calculator: enter your salary and deferral percentage to see your annual and per-paycheck retirement contribution amounts.
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How Much Monthly to Retire CalculatorFind out how much to save each month to hit your retirement goal. Enter target, current savings, years and return for a monthly contribution figure (USD).
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401(k) vs Roth 401(k) CalculatorUS retirement tool: compare a traditional 401(k) and a Roth 401(k) after taxes, accounting for upfront tax savings invested and your retirement tax rate.
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Net Worth Projection CalculatorProject your future net worth from current assets, annual savings, growth rate, and years. See compound growth and total investment gains over time.
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Nest Egg Needed After Pension & Social SecurityFind the retirement nest egg you need after pension and Social Security. Enter your target income and safe withdrawal rate to size your savings goal.
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Army TSP Contribution Calculator (US)Estimate your US Army Thrift Savings Plan (TSP) contributions and BRS agency match — automatic 1% plus tiered matching up to 5% of base pay.
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Present Value of a Pension CalculatorCalculate the present value (lump-sum equivalent) of a pension with our free calculator. Enter the annual payment, discount rate, and number of years.
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Annuity Payout From Lump Sum CalculatorCalculate the periodic annuity payment from a lump sum using interest rate, term and payment frequency. See total paid and interest earned.
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Deposit Needed for Target Monthly Income CalculatorFind out how much you need to deposit to earn a target monthly income from interest. Enter your desired income and annual rate to get the lump sum.
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Taxable Social Security Benefits Calculator (US)US calculator: estimate how much of your Social Security benefits are taxable using IRS provisional-income thresholds (up to 85% taxable).
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Retirement Withdrawal After-Tax CalculatorEstimate how much of a retirement account withdrawal you actually keep after income taxes. Enter your gross withdrawal and effective tax rate to see the net amount.
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Social Security Earnings Test Reduction CalculatorUS Social Security earnings test calculator. Estimate how much of your benefit is withheld when wages exceed the annual earnings limit before full retirement age.
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Retirement Income Gap CalculatorCalculate your retirement income gap by comparing the income you need against your pension, Social Security and other income sources. Free shortfall estimator.
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Savings Needed for Desired Monthly Income CalculatorFind how big a nest egg you need to fund a desired monthly retirement income, based on your safe annual withdrawal rate (e.g. the 4% rule).
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Savings Needed for Target Passive Income CalculatorFind how much you need to invest to generate your target annual passive income at a given yield. Free, instant principal calculator.
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Traditional IRA Calculator (US)Estimate the future value of your US Traditional IRA with monthly contributions and compound growth. See projected balance, contributions, and interest earned.
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Social Security PIA Calculator (US)Estimate your US Social Security Primary Insurance Amount (PIA) from AIME using the 90%/32%/15% bend-point formula. Enter bend points for your year.
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Interest-Only Monthly Income from Deposit CalculatorCalculate the monthly interest income from a savings deposit or lump sum. Enter your principal and annual rate to see your monthly payout.
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Inflation-Adjusted Pension CalculatorCalculate the real, inflation-adjusted value of your pension. See how much purchasing power your fixed pension loses over time at a given inflation rate.
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Early Retirement Savings CalculatorFind how many years it takes to reach your early retirement nest egg given your annual contribution and expected investment return.
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Social Security Delayed Retirement Credit Calculator (US)US Social Security calculator that estimates your higher monthly benefit from delayed retirement credits (8% per year past full retirement age, capped at 70).
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Money Runs Out Age CalculatorFind the age your retirement savings run out. Enter your balance, annual withdrawal, and return rate to project the fund depletion age.
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Savings Multiple by Age CalculatorUS retirement savings benchmark: estimate how much you should have saved by your age as a multiple of your annual salary (1x@30 to 10x@67).
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Roth IRA Growth Calculator (US)Project your US Roth IRA's tax-free future value from your current balance, annual contributions, expected return, and years to grow.
Frequently asked questions
What retirement scenarios can I model here?
You can project 403(b) plan growth, calculate Required Minimum Distributions (RMDs), estimate a Pension payout, model a Deferred Fixed Annuity or the Future Value of an Annuity, and explore how timing your Social Security claim affects lifetime income — covering the core pillars of US retirement planning.
How accurate are the projections?
The calculators use standard actuarial and financial formulas. However, results are illustrative estimates only and do not constitute financial advice. Retirement outcomes depend on market performance, tax law changes, and personal circumstances. Consult a qualified financial professional before making any retirement planning or withdrawal decisions.
Are these tools free to use?
Yes — every retirement calculator in this category is completely free. There is no subscription, no sign-up, and no premium tier — all tools and results are fully accessible to everyone.
Do you store my retirement figures?
No. All projections run entirely in your browser. We do not send, store, or log any of the income, balance, or contribution figures you enter — your data stays on your device.
Which retirement calculator is used most?
The Most Popular list is ranked by actual user traffic. The Retirement Savings Calculator and Pension Calculator are consistently popular, but check the Trending tab to see which tools are attracting the most interest right now.
