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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Time to Reach $1 Million Savings CalculatorCalculate how many months and years it takes to reach a savings goal with fixed monthly contributions and compound interest. Free savings goal time calculator.
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Present Value of Annuity CalculatorCompute the present value of ordinary, due, and growing annuities with custom compounding and payment frequency. Free online PV of annuity calculator.
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Roth Conversion Tax CalculatorEstimate the federal income tax on a 401(k)/IRA-to-Roth conversion (US). Enter the amount converted and your marginal tax rate to see the tax owed.
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HSA Tax Savings CalculatorEstimate how much you'll save in taxes by contributing to a US Health Savings Account (HSA), including federal, state, and FICA payroll savings.
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401(k) Employer Match CalculatorUS 401(k) employer match calculator. Enter your salary, contribution %, match rate and cap to see how much free money your employer adds each year.
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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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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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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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Roth vs Traditional IRA Calculator (US)Compare the after-tax retirement value of a Roth IRA vs a Traditional IRA (US). Enter contribution, return, years and your retirement tax rate.
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FIRE Number CalculatorCalculate your FIRE number — the portfolio you need to retire early. Enter annual expenses and a safe withdrawal rate to find your financial independence target.
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Safe Withdrawal Rate (4% Rule) CalculatorCalculate your safe annual and monthly retirement withdrawal using the 4% rule. Enter your portfolio value and withdrawal rate to plan income.
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Required Minimum Distribution (RMD) Tax CalculatorUS RMD Tax Calculator: estimate your IRS required minimum distribution from a retirement account and the income tax owed at your marginal rate.
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Retirement Age CalculatorFind the exact date you reach your chosen retirement age and a live countdown in days and years from your birth date.
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Savings Drawdown Duration CalculatorFind out how long your savings will last with regular withdrawals and compound interest. Calculate years until your balance runs out, or if it lasts forever.
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Retirement Portfolio Longevity CalculatorEstimate how many years your retirement portfolio will last given a starting balance, fixed annual withdrawal, and expected annual investment return.
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Social Security Break-Even Age Calculator (US)Find the Social Security break-even age (US): the point where delaying benefits beats claiming early. Enter both monthly benefit amounts to compare.
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Inflation-Adjusted Retirement Income CalculatorFind how much annual income you'll need in retirement to keep today's purchasing power after years of inflation. Free, instant compound-inflation calculator.
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Pension vs Lump Sum CalculatorCompare an annual pension to a lump sum offer. Calculate the present-value lump sum equivalent of your pension using a discount rate and decide which is better.
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Rule of 25 Retirement CalculatorUse the Rule of 25 to find your retirement number: multiply annual expenses by 25. Estimate the nest egg you need for the 4% safe withdrawal rule.
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Retirement Income Replacement Ratio CalculatorCalculate your retirement income replacement ratio—the percentage of pre-retirement income your projected retirement income will replace. Free and easy.
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Retirement Savings Rate CalculatorCalculate your retirement savings rate — the percentage of gross income you save each year. Enter income and savings to see your % and monthly amount.
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Savings Withdrawal Duration CalculatorFind out how long your savings will last with regular monthly withdrawals and interest. Enter balance, withdrawal, and rate to see the months and years.
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Millionaire Savings CalculatorFind out how much to save each month to reach $1,000,000. Enter your goal, current savings, expected return, and timeline to get the monthly deposit.
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Social Security Full Retirement Age CalculatorUS Social Security tool: enter your birth year to find your full retirement age (FRA) when you qualify for 100% unreduced retirement benefits.
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.
