Retirement calculators
401(k), IRA, pension, Social Security, FIRE and withdrawal planning.
82 free tools
Most used
4% Rule CalculatorTest the 4% rule and find a safe withdrawal rate for your portfolio401(k) CalculatorProject your 401(k) balance with raises, employer match and growth401(k) Early Withdrawal CalculatorSee the taxes, 10% penalty and lost growth of cashing out your 401(k)401(k) Match CalculatorSee your employer match and how much to contribute to get all of it72(t) SEPP CalculatorWork out penalty-free early IRA withdrawals under Rule 72(t)Annuity CalculatorTurn a lump sum into regular income — or find the premium you needCanada OAS CalculatorEstimate your Old Age Security pension, deferral bonus and clawbackCanada RRIF Minimum Withdrawal CalculatorFind your RRIF minimum, withholding tax and a year-by-year projectionCoast FIRE CalculatorFind the number that lets you stop saving and still retire on timeEarly Retirement CalculatorFind the earliest age your savings can support your lifestyleEPF CalculatorProject your Employees’ Provident Fund corpus at retirementFERS Pension CalculatorEstimate your federal FERS annuity from your high-3, service and ageFIRE CalculatorCalculate your FIRE number and how many years until you’re freeFull Retirement Age CalculatorFind your Social Security full retirement age and claiming percentagesHSA CalculatorProject your HSA balance and the taxes it saves you every yearMilitary Retirement CalculatorEstimate military retired pay under High-36 or BRS, plus your TSPNPS CalculatorEstimate your NPS corpus, tax-free lump sum and monthly pensionPension CalculatorEstimate your defined-benefit pension and what it is worth as a lump sumRetirement CalculatorFind out if you are on track to retire — and how long your money lastsRetirement Contribution Limits CalculatorSee your 2026 401(k), IRA, HSA and catch-up limits for your ageRetirement Savings by Age CalculatorCompare your savings to salary-multiple benchmarks for your ageRMD CalculatorFind your required minimum distribution and project future RMDsRoth 401(k) vs Traditional 401(k) CalculatorCompare after-tax retirement value of Roth and pre-tax 401(k) savingsRoth Conversion CalculatorSee whether converting a traditional IRA to Roth pays offRoth IRA CalculatorProject your tax-free Roth IRA balance at retirementRoth IRA Income Limit CalculatorSee how much you can put in a Roth IRA at your income and filing statusSingapore CPF CalculatorWork out CPF contributions by age and how they split into OA, SA/RA and MASocial Security CalculatorEstimate your Social Security retirement benefit at any claiming ageSocial Security Earnings Test CalculatorSee how much Social Security is withheld if you work before full retirement ageSocial Security Survivor Benefits CalculatorEstimate widow(er) and child survivor benefits by age and claiming strategySpousal Social Security CalculatorEstimate the spousal benefit from both PIAs and each spouse’s claiming ageTraditional IRA CalculatorProject your IRA balance, tax deduction and after-tax retirement valueUK Pension Drawdown CalculatorSee how long your drawdown pot lasts and what income it can sustainUK Pension Tax Relief CalculatorWork out basic, higher and additional-rate tax relief on pension contributionsUK State Pension Age CalculatorFind the exact date you reach State Pension age from your date of birthUK Tax-Free Pension Lump Sum CalculatorWork out your 25% tax-free cash, UFPLS tax and the lump sum allowance
More retirement tools
401(k) Catch-Up Contribution CalculatorSee your 2026 catch-up limit, the age 60–63 super catch-up and the Roth rule401(k) Loan CalculatorFind your 401(k) loan payment and what borrowing costs your retirement403(b) CalculatorProject your 403(b) at retirement with raises, match and catch-upsAtal Pension Yojana CalculatorFind your APY contribution by joining age and pension amountAustralia Super CalculatorProject your super balance at retirement in today’s dollarsAustralia Super Contributions CalculatorSee your 2026–27 concessional cap room and salary sacrifice tax savingBackdoor Roth IRA CalculatorFind the taxable part of a backdoor Roth conversion under the pro-rata ruleBarista FIRE CalculatorFind the portfolio you need when part-time work covers some of your costsGuardrails Withdrawal CalculatorSimulate Guyton-Klinger guardrails: cut in bad years, raise in good onesHong Kong MPF CalculatorWork out your MPF contributions and project your balance at 65KiwiSaver CalculatorProject your KiwiSaver balance at 65 with employer and government top-upsMega Backdoor Roth CalculatorFind your after-tax 401(k) room under the 2026 $72,000 limitNet Unrealized Appreciation CalculatorCompare NUA treatment of employer stock with rolling it into an IRAPension Lump Sum vs Annuity CalculatorDecide whether to take the pension buyout or the monthly checkPension Survivor Option CalculatorCompare single-life and joint-and-survivor pension payouts side by sideQLAC CalculatorSee how a QLAC lowers your RMDs and what income it buys laterQualified Charitable Distribution CalculatorSee how much tax a QCD saves versus taking your RMD and giving cashRetirement Healthcare Cost CalculatorEstimate lifetime health insurance and medical costs in retirementRetirement Income CalculatorTurn your savings, Social Security and pension into a monthly paycheckRoth Conversion Ladder CalculatorPlan yearly Roth conversions that fill a low bracket and fund early retirementRoth IRA Withdrawal CalculatorFind the tax and 10% penalty on a Roth IRA withdrawal before you take itRoth vs Traditional IRA CalculatorSee which account leaves you more after tax when you retireRRSP CalculatorEstimate your RRSP tax refund and savings at retirementRRSP vs TFSA CalculatorCompare the after-tax value of saving in an RRSP or a TFSARule of 55 CalculatorCheck if you can take 401(k) money at 55 without the 10% penaltySEP IRA CalculatorFind your maximum SEP IRA contribution from self-employment incomeSocial Security Break-Even CalculatorCompare claiming at 62, full retirement age or 70 — and find your break-even ageSolo 401(k) CalculatorMaximize your self-employed 401(k): deferral, catch-up and profit sharingTraditional IRA Deduction CalculatorFind how much of your 2026 traditional IRA contribution is deductibleTransition to Retirement CalculatorTest a TTR pension plus salary sacrifice strategy from age 60TSP CalculatorProject your Thrift Savings Plan balance with the FERS agency matchUK Pension Annual Allowance CalculatorWork out your tapered annual allowance, carry forward and any tax chargeUK Pension CalculatorProject your workplace pension pot with tax relief and employer moneyUK State Pension CalculatorForecast your new State Pension and see if buying NI years pays offVariable Percentage Withdrawal CalculatorFind this year’s VPW withdrawal rate from your age and stock/bond mix457(b) CalculatorProject your 457(b) deferred compensation balance at retirementCanada Pension Income Splitting CalculatorSee how much tax you save by splitting pension income with your spouseCPP Calculator (Canada Pension Plan)Compare CPP at 60, 65 or 70: monthly pension, lifetime total, break-evenDefined Benefit Plan Contribution CalculatorEstimate how much a solo defined benefit plan lets you contribute each yearFERS Supplement CalculatorEstimate your FERS annuity supplement until 62 and the earnings test cutInherited IRA RMD CalculatorPlan inherited IRA withdrawals under the 10-year rule or stretch rulesPension Transfer Value (CETV) CalculatorJudge a DB transfer offer: multiple, critical yield and implied incomeRetirement Withdrawal Order CalculatorCompare taxable, traditional and Roth withdrawal orders side by sideSIMPLE IRA CalculatorWork out SIMPLE IRA deferrals, employer match and long-term growthSocial Security COLA CalculatorSee your new Social Security check after the COLA and Medicare premiumSuper Preservation Age CalculatorFind your preservation age and when you can access your super