Best Retirement CalculatorsFree Online Tools
Find out if you're on track, optimize your account contributions, and plan exactly when you can retire — all with free, instant calculators.
Retirement Calculator Tools
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Retirement Calculator
Estimate whether you're on track to retire. Project your savings based on current balance, contributions, and expected returns.
Open calculator401(k) Calculator
Project your 401(k) balance at retirement with employer match, contribution rate, and compound growth over your career.
Open calculatorRoth vs Traditional IRA Calculator
Compare after-tax outcomes for Roth vs Traditional contributions under different tax rate scenarios.
Open calculatorCoast FIRE Calculator
Find the exact savings balance where you can stop contributing entirely and let compound growth carry you to retirement.
Open calculatorSocial Security Calculator
Compare lifetime Social Security benefits at ages 62, 67, and 70. Find your optimal claiming age before you decide.
Open calculator401(k) Withdrawal Calculator
Estimate taxes and penalties on early or retirement-age 401(k) withdrawals before you take the money out.
Open calculatorRetirement Guides & Articles
Strategy and context behind your retirement numbers
How Much Do I Need to Retire? (4% Rule + Real Numbers)
The "magic number" for retirement depends on your spending, not your income. We break down the 4% rule, run the numbers for different lifestyles, and show you exactly how to calculate your target.
8 min readRoth IRA vs 401k: How to Decide Which to Fund First
Both are retirement accounts with tax advantages. But the right order to fund them — and which one to prioritize — depends on your tax bracket now and in retirement. Here's the framework.
6 min readHow Much to Save for Retirement by Decade
The right retirement strategy at 25 is completely different from the right strategy at 45. Here are the benchmarks and tactics for each decade — including what to do if you are behind.
8 min readStarting Retirement Savings at 40: The Exact Catch-Up Plan
You're 40 with little saved for retirement. The good news: you have 25 years. The real talk: you'll need to move faster. Here's exactly what the math requires.
8 min readWhat Do Retirement Calculators Help You Plan?
Retirement planning is fundamentally a math problem with enormous personal stakes. The core question — "will I have enough?" — requires calculating your savings trajectory, Social Security benefits, withdrawal strategy, and how long your money needs to last across a retirement that could span 30+ years.
Retirement calculators help you answer: how much you need to retire based on your lifestyle and the 4% rule; whether your current savings rate puts you on track; the precise tax impact of Roth vs Traditional contributions over your career; at what savings balance you can stop contributing and let compound growth carry you to retirement (your Coast FIRE number); and exactly when to claim Social Security to maximize lifetime benefits.
These calculations matter most when you run them in your 30s and 40s, when small adjustments have decades to compound. Seeing the gap between projected and target balance while there's still time to close it is far better than discovering it at 60.
How to Choose the Right Retirement Calculator
Start with the Retirement Calculator to get your baseline projection. Input your current savings, monthly contribution, expected return, and target retirement age. The gap between your projected balance and your target number gives you something specific to work with.
If you're deciding between Roth and Traditional contributions, the Roth vs Traditional IRA Calculator is essential. It shows the after-tax outcome under different income scenarios — and the answer often surprises people who assumed one was clearly better.
For FIRE (Financial Independence, Retire Early) planning, the Coast FIRE Calculator is uniquely powerful — it tells you exactly when you can stop contributing entirely. The Social Security Calculator is critical for anyone within 10 years of claiming, since the timing decision alone can shift lifetime benefits by six figures.