Retirement calculators

Project your retirement savings growth from salary contributions, employer match, and investment returns.

Calculate your Financial Independence number and how many years until you reach it.

Estimate monthly retirement income from an annuity balance, expected return, and payout term.

Estimate required minimum distribution from retirement account balance and life expectancy divisor.

Estimate the increased savings rate needed to reach a retirement goal after a late start.

Compare the present value of a monthly pension annuity against an offered lump-sum buyout.

Estimate total projected healthcare costs throughout retirement including Medicare premiums and out-of-pocket spending.

Estimate tax savings from directing an IRA required minimum distribution to charity via a QCD.

Estimate potential tax savings from using the net unrealized appreciation strategy on employer stock in a 401(k).

Calculate the required annual distribution amount under a 72(t) substantially equal periodic payment plan.

Estimate a surviving spouse’s Social Security survivor benefit based on the deceased spouse’s benefit amount.

Project your estimated tax bracket in retirement based on expected Social Security, pension, and withdrawal income.

Estimate the probability of outliving retirement savings based on withdrawal rate and projected lifespan.

Compare retirement portfolio outcomes when poor returns occur early versus late in retirement.

Calculate savings needed to bridge income between early retirement and the start of Social Security benefits.

Estimate required distribution timeline for a retirement account based on beneficiary type and relationship.

Calculate whether current retirement savings alone will grow to your retirement goal without further contributions.

Estimate taxable amount of a backdoor Roth conversion when existing pre-tax IRA balances are present.

Estimate additional after-tax 401k contribution room available for a mega backdoor Roth strategy.

Calculate maximum SEP IRA contribution allowed for a self-employed individual based on net income.

Calculate maximum solo 401k contribution combining employee deferral and employer profit-sharing components.

Estimate additional retirement savings from catch-up contributions available to savers age 50 and older.

Estimate required minimum distribution and 10-year drawdown schedule for a non-spouse inherited IRA.

Estimate spousal Social Security benefit amount based on the higher earner’s full retirement age benefit.

Estimate monthly income payout from an immediate annuity based on premium, payout rate, and term.

Estimate years to financial independence based on savings rate, expenses, and the 4% withdrawal rule.

Calculate the savings rate needed to reach a specific retirement nest egg goal by a target age.

Project Roth IRA growth from contributions, return, time horizon, and tax-free compounding assumptions.

Estimate RMD amount from retirement account balance, age, distribution period, and withdrawal timing.

Estimate Social Security benefit timing trade-offs from claiming age, estimated benefit, and inflation assumptions.

Estimate pension income from service years, final average salary, multiplier, and survivor-option assumptions.

Estimate retirement income from savings, withdrawal rate, pension, Social Security, and annuities.

Estimate portfolio life, withdrawal sustainability, inflation impact, and spending risk.

Estimate claiming-age break-even between early, full, and delayed Social Security benefits.

Compare pension lump sum and monthly annuity using discount rate, life expectancy, and inflation.

Estimate IRA contribution room, tax deduction value, and long-term retirement growth.

Estimate retirement savings impact of delayed full-time earnings during graduate training.

Compare academic pension value with defined-contribution savings under career-length assumptions.

Estimate long-term impact of retirement contributions during postdoc or early research appointments.

Project retirement savings, future contributions, withdrawals, and income gap across a long-term planning horizon.