Retirement

About Retirement Calculators

Plan every phase of retirement: accumulation, claiming Social Security, pension payout elections, and required withdrawals. These 9 tools cover 401(k) growth, early withdrawal costs, employer match optimization, IRA and Roth projections, annuities, and RMD estimates.

Featured: Roth IRA Calculator, Annuity Payout Calculator, RMD Calculator, IRA Calculator, Annuity Calculator, 401K Calculator.

What you can model

• Retirement readiness: nest egg goal vs projected savings with income replacement targets.
• 401(k): balance growth, match tiers, and early withdrawal tax impact.
• Income decisions: lump sum vs pension, Social Security claim age, annuity payouts.
• Tax rules: traditional IRA after-tax value and annual RMD amounts.

Read how much to save by age and 401(k) match strategies.

Accumulation Phase

Maximize employer match first; it is an immediate return on contributions. Model growth with the 401(k) Calculator, IRA Calculator, and Roth IRA Calculator. The Retirement Calculator ties savings rate to income replacement goals.

Distribution Phase

Social Security claiming age, pension payout elections, and annuity choices affect lifetime income. Use the Social Security Calculator, Pension Calculator, and Annuity Payout Calculator. Traditional IRA owners must plan required minimum distributions.

How to pick a retirement calculator

Use the account type on your statement. A 401(k) deferral and match belongs in the 401(k) Calculator. An IRA contribution limit question belongs in the IRA Calculator or Roth IRA Calculator. A claiming-age question belongs in Social Security, not in a nest-egg growth tool. RMDs after the required beginning date belong on the RMD Calculator.

These 9 pages show contribution or payout math, a worked example, and what they cannot see (your SSA earnings record, plan vesting, or state tax). Work stays in the browser. Read employer match and savings by age when the question is behavior, not a single formula.

Retirement calculator directory

Canonical URLs for every retirement tool on this site, with the planning job each page is written to answer.

• Roth IRA Calculator — This Roth IRA Calculator compares ending wealth when you contribute after-tax dollars to a Roth IRA versus investing the same out-of-pocket cost in a taxable brokerage account. Enter annual contribution, current marginal tax rate, expected return, and years invested. Roth growth and qualified withdrawals are modeled as tax-free; taxable account growth faces ongoing tax on dividends and capital gains at assumptions built into the tool. Use it when you are deciding whether Roth beats taxable for long horizons, not when comparing Roth to traditional IRA deferral.
• Annuity Payout Calculator — This Annuity Payout Calculator shows what happens when you draw a fixed amount from an invested balance each month while the remainder stays invested at an assumed return. Enter starting balance, monthly withdrawal, and expected return to see how long the money lasts or what balance remains after a set number of years. It answers decumulation questions for IRAs, brokerage accounts, and lump-sum pension rollovers without selling an actual insurance annuity contract. Results are sensitive to return and sequence of returns; treat them as structured estimates.
• RMD Calculator — This RMD Calculator estimates the Required Minimum Distribution you must take from traditional IRAs and many other tax-deferred accounts once you reach the IRS starting age. Enter birth year or age, account balance as of December 31 of the prior year, and the calculator applies the Uniform Lifetime Table factor to divide balance by life expectancy. Output is approximate annual RMD before aggregating multiple accounts or applying spouse exceptions. Use it for tax planning, not as filing instructions.
• IRA Calculator — This IRA Calculator places traditional IRA, Roth IRA, and taxable brokerage outcomes side by side using the same economic dollars where possible. Enter annual contribution, tax rate now, expected tax rate in retirement, return, and years invested. Traditional deferral reduces tax today but withdrawals are taxed later. Roth uses after-tax money and qualified withdrawals are tax-free. Taxable invests after-tax dollars and pays tax on gains along the way. The winner depends on whether your rate drops, stays flat, or rises between contribution and withdrawal.
• Annuity Calculator — This Annuity Calculator projects how money grows when you start with a lump sum and add the same amount every month for a fixed number of years at a steady return. It is aimed at accumulation phase planning: building a balance inside a deferred annuity, taxable investment account, or any vehicle where you make level periodic contributions. Enter starting balance, monthly payment, annual return, and years. The output shows ending value, total contributed, and interest earned. It does not price insurance company annuity contracts with riders or surrender charges.
• 401K Calculator — This 401(k) Calculator estimates how your workplace retirement account grows when you defer part of each paycheck, receive an employer match, and earn compound returns until retirement. Enter salary, your contribution percent, the match formula, expected return, and years left to work. The output separates employee deferrals, employer match, and investment growth so you can see which piece drives the total. Use it before open enrollment to test whether bumping deferral one percent is worth more than chasing a hotter fund menu.
• Retirement Calculator — This Retirement Calculator compares the nest egg you are on track to build against the balance you will likely need at your chosen retirement age. Enter current age, income, savings already set aside, how much you save each year as a percent of pay, and when you plan to stop working. The output shows projected portfolio value at retirement, an estimated spending target, and whether you are ahead or behind. It is a planning snapshot, not a guarantee of market returns or future tax law.
• Social Security Calculator — This Social Security Calculator estimates retirement benefits at different claiming ages based on your expected benefit at full retirement age and the standard early or delayed retirement adjustments. Enter your monthly benefit at FRA, then compare what you would receive at 62 versus waiting to 70. The output shows monthly amounts, cumulative totals over chosen lifespans, and breakeven ages between strategies. It is an educational model using SSA adjustment factors, not a download of your earnings record from ssa.gov.
• Pension Calculator — This Pension Calculator helps you compare a one-time lump sum pension payout with a lifetime monthly annuity from the same plan. Enter the lump sum offer, the monthly payment if you defer to annuity, your age, and a discount or investment rate that reflects how you would invest or spend the lump sum. The output translates both choices into comparable present-value terms so you can discuss the tradeoff with a spouse or adviser without guessing. It does not replace the plan actuary or personalized longevity planning.