403(b) Calculator — Free 403(b) calculator for 2025. Project tax-sheltered annuity growth for teachers, healthcare workers, and nonprofit employees. Includes the 15-year service catch-up rule.
457 Plan Calculator — Free 457(b) plan calculator for 2025. Project deferred compensation growth with no early withdrawal penalty. Includes the special 3-year catch-up provision for government employees.
Annuity Payout Calculator — Free annuity payout calculator. Find monthly or annual income from a lump-sum annuity purchase. Compare payout rates for different terms and interest rates.
Annuity Value Calculator — Free annuity value calculator. Find the present value of an annuity stream using discount rate, payment amount, and term. Supports ordinary, annuity-due, and growing annuity.
Catch-Up Contribution Calculator — Free catch-up contribution calculator for 2025. Find your extra savings by plan type, age bracket, and SECURE 2.0 super catch-up rules for ages 60-63.
Deferred Annuity Calculator — Free deferred annuity calculator. Model the accumulation and distribution phases. See how tax-deferred growth and deferral period affect retirement income.
Early Retirement Calculator — Free early retirement calculator. See if your savings can bridge the gap from early retirement to Social Security and traditional retirement age. Plan your withdrawal strategy by phase.
FIRE Calculator — Financial Independence, Retire Early — Free FIRE calculator. Calculate your Financial Independence number, years to FIRE, and required savings rate. See how savings rate, income, and expenses affect your FIRE timeline.
4% Rule Calculator — Free 4% rule retirement calculator. Find out how much you can safely withdraw each year based on the Trinity Study. See your annual income, monthly income, and required portfolio size.
Immediate Annuity Calculator — Free immediate annuity calculator. Estimate monthly income from a single premium immediate annuity (SPIA). Compare payouts by age, gender, and joint-life options.
IRA Calculator — Traditional vs Roth IRA Comparison — Free IRA calculator. Compare Traditional vs Roth IRA growth, contribution limits, tax savings, RMD estimates, and Roth income phase-outs for 2024-2026.
Longevity Risk Calculator — Free longevity risk calculator. Estimate survival probabilities by age using SSA actuarial tables, then see portfolio survival rates at each longevity milestone.
Nest Egg Duration Calculator — Free nest egg duration calculator. Find how long your retirement savings will last given withdrawals, returns, and inflation. Plan to never run out of money.
Retirement Calculator — Savings, Income & Readiness Planner — Free retirement calculator. Estimate retirement corpus, monthly income, withdrawal sustainability, savings rate impact, and readiness score with accumulation and decumulation projections.
Retirement Age Calculator — Free retirement age calculator. Find the earliest age you can retire based on your savings, income, expenses, and expected returns. Slider-style what-if analysis for savings and returns.
Retirement Gap Calculator — Free retirement gap calculator. Compare projected expenses vs income from Social Security, pensions, and portfolio withdrawals. Find shortfalls and solutions.
Retirement Healthcare Cost Calculator — Free retirement healthcare cost calculator. Estimate lifetime medical expenses including Medicare premiums, Medigap, Part D, and out-of-pocket costs with medical inflation projections.
Retirement Income Calculator — Free retirement income calculator. Estimate total monthly income from Social Security, pensions, annuities, and portfolio withdrawals. Identify income gaps and plan for a secure retirement.
Retirement Readiness Score Calculator — Free retirement readiness score calculator. Get a 0-100 score based on savings, income, age, and plan quality. See where you stand and how to improve.
Retirement Savings Goal Calculator — Free retirement savings goal calculator. See how much you need to save each month to reach your retirement nest egg target using the 4% rule and inflation-adjusted projections.
Retirement Spending Calculator — Free retirement spending calculator. Project annual expenses through retirement with the spending smile curve, inflation adjustments, and lifestyle phase modeling.
Retirement Tax Estimator Calculator — Free retirement tax estimator for 2025. Project federal income tax on Social Security, 401(k) withdrawals, pensions, and other retirement income including IRMAA surcharges.
Retirement Withdrawal Rate Calculator — Free retirement withdrawal rate calculator. Simulate portfolio sustainability over 30 years at different withdrawal rates. See how long your nest egg lasts with annual inflation adjustments.
Required Minimum Distribution (RMD) Calculator — Free RMD calculator. Calculate your Required Minimum Distribution from your IRA or 401(k) using the IRS Uniform Lifetime Table for 2025. Includes multi-year projections and SECURE Act 2.0 rules.
Safe Withdrawal Rate Calculator — Free safe withdrawal rate calculator. Find the maximum initial withdrawal rate with 90%+ success over your retirement horizon. Adjust for time horizon, stock allocation, and success threshold.