Retirement Calculators
Free retirement planning calculators - 401k, IRA, Roth IRA, annuity, FIRE, NPS, and more. Plan your retirement income, savings, and withdrawal strategy with real math.
Retirement Calculators - Plan Your Financial Independence
Retirement planning is the most consequential financial journey of your life. A 25-year-old who invests $500/month at 7% will accumulate over $1.3 million by age 65 - the same person starting at 35 builds only $610,000. Time is the most powerful ingredient in retirement math. Use these calculators to model your accumulation, plan your income, and test withdrawal strategies.
US Retirement Account Calculators
401k Calculator - Project your 401k balance at retirement with employer match and compound growth. The 2024 employee contribution limit is $23,000 ($30,500 with catch-up). Always contribute at least enough to capture your full employer match - it’s an immediate 50–100% return.
IRA Calculator - Calculate your Traditional IRA balance at retirement, annual tax deduction savings, and after-tax value. The 2024 IRA contribution limit is $7,000 ($8,000 age 50+). Deductibility depends on income and workplace plan coverage.
Roth IRA Calculator - Project your Roth IRA balance with completely tax-free growth and compare it against a Traditional IRA after-tax value. The 2024 Roth income limits phase out between $146,000–$161,000 (single) and $230,000–$240,000 (married filing jointly).
Annuity Calculators
Annuity Calculator - Calculate future value, present value, or payment for any ordinary annuity or annuity-due. The foundation of all annuity mathematics.
Annuity Payout Calculator - Find the monthly or annual income your lump sum will generate at a given rate and term.
Deferred Annuity Calculator - Model a two-phase deferred annuity: accumulation (lump sum grows tax-deferred) followed by payout (monthly income). Essential for pre-retirement lump sum planning.
Immediate Annuity Calculator - Calculate the monthly income from a Single Premium Immediate Annuity (SPIA) - the simplest way to convert a lump sum into guaranteed retirement income.
Future Value of Annuity Calculator - Find the total accumulated value of equal periodic payments at a given rate over time. Essential for 401k, IRA, and systematic savings projections.
Present Value of Annuity Calculator - Calculate today’s lump sum equivalent of any future income stream. Used for pension valuations, structured settlements, and lease pricing.
Growing Annuity Calculator - Model annuities where payments increase at a constant rate - ideal for salary-linked pensions and inflation-adjusted income streams.
Variable Annuity Calculator - Model variable annuity growth across optimistic, base, and conservative scenarios. Accounts for M&E fees to show net-of-cost accumulated value and monthly payout.
Retirement Planning Calculators
Retirement Calculator - The comprehensive retirement readiness calculator. Projects your nest egg, calculates the required amount for your income goal, and scores your readiness as a percentage.
Early Retirement (FIRE) Calculator - Calculate your FIRE number and years to financial independence. Model savings rate impact on your retirement timeline using the 4% rule.
Retirement Withdrawal Calculator - Find out how long your retirement portfolio will last at a given withdrawal rate, or calculate the 4% rule maximum monthly income.
Savings Withdrawal Calculator - Model how long any savings balance lasts with regular withdrawals and interest, or find the maximum sustainable monthly withdrawal.
Rule of 72 Calculator - Estimate how long to double your money at any return rate, or find the rate needed to double in a target timeframe. The fastest mental math tool in investing.
India Retirement Calculators
NPS Calculator - Estimate your National Pension System corpus, lump sum withdrawal (60% tax-free), and monthly annuity income. Covers Section 80CCD(1B) additional deduction.
Frequently Asked Questions
How much do I need to retire comfortably?
The 25x rule: multiply your annual expenses by 25 (based on the 4% safe withdrawal rate). If you spend $60,000/year, you need $1.5 million. Factor in Social Security income - a $2,000/month benefit reduces the required portfolio by $600,000 at 4% SWR. Use the Retirement Calculator to run your specific numbers.
Should I choose a 401k, Traditional IRA, or Roth IRA?
Max your 401k to capture the full employer match first - that's an immediate return. Then decide between Traditional and Roth IRA based on your current vs. expected retirement tax rate. Roth is generally better for younger, lower-bracket workers; Traditional may be better for high earners in peak earning years. Many advisors recommend both for tax diversification. Compare outcomes with the IRA Calculator and Roth IRA Calculator.
What is the 4% safe withdrawal rate?
William Bengen's 1994 research found that a 50/50 stock/bond portfolio could sustain a 4% annual withdrawal (inflation-adjusted) for at least 30 years through any historical market cycle. For early retirees needing 40–50 years, use 3–3.5%. Test your specific situation with the Retirement Withdrawal Calculator.
How does employer matching work in a 401k?
A common match formula is "50% of contributions up to 6% of salary." On an $80,000 salary contributing 6% ($4,800), the employer adds $2,400 - a 50% immediate return on that money. Never leave employer match on the table. Use the 401k Calculator to see how match accelerates your balance.
What is the FIRE number?
Your FIRE (Financial Independence, Retire Early) number is 25x your annual expenses - the portfolio size that sustainably funds your lifestyle at a 4% withdrawal rate. For $50,000/year in expenses, the FIRE number is $1,250,000. Use the Early Retirement Calculator to find your number and years to reach it.