Retirement and Savings Calculators
Retirement planning has two halves: building the savings, and turning them into income. Pick the calculator for the half you are in.
While you are saving, start with the account you actually have. The 401(k) Calculator projects your balance with your employer match and the annual limits, including catch-up contributions after 50. The Roth IRA and Traditional IRA calculators show growth and whether you are eligible to contribute or deduct. If you work for yourself, the Solo 401(k), SEP IRA and SIMPLE IRA calculators find the most you can put away. The HSA Calculator shows the value of a health savings account kept invested for the long term.
If you are deciding between account types, the Roth Conversion Calculator compares paying tax now with paying it later, and the Backdoor Roth Eligibility Checker tells you whether that route works for your income and existing IRAs.
As retirement approaches, the Social Security Calculator compares claiming ages and finds the breakeven. The RMD Calculator shows the minimum you must withdraw each year once required distributions begin. The annuity calculators turn a lump sum into income, and the FIRE Calculator shows how close you are to financial independence.
Retirement & Savings calculators
401(k) Calculator 2026
Project your 401(k) balance with employer match, annual limits and catch-up contributions.
Open calculatorRetirement Withdrawal Calculator
How long your savings last at a given withdrawal rate.
Open calculator401(k) Loan Calculator
The payment on a 401(k) loan and what it costs your long-term balance.
Open calculator401(k) Early Withdrawal Calculator
What an early 401(k) withdrawal costs after the penalty and tax.
Open calculatorRoth IRA Calculator 2026
Tax-free Roth IRA growth, contribution limits and the income phase-outs.
Open calculatorTraditional IRA Calculator
Tax-deferred IRA growth and whether your contribution is deductible.
Open calculatorRoth Conversion Calculator
The tax cost of converting now against the tax saved later.
Open calculatorBackdoor Roth Eligibility Checker
Check whether a backdoor Roth works for you, including the pro-rata rule.
Open calculatorSEP IRA Calculator
Maximum SEP IRA contribution for the self-employed and small business owners.
Open calculatorSolo 401(k) Calculator
Employee and employer contributions to a Solo 401(k), and the combined limit.
Open calculatorSIMPLE IRA Calculator
SIMPLE IRA contributions, employer match and catch-up limits.
Open calculatorHSA Calculator
HSA contributions, the triple tax advantage and long-term growth.
Open calculatorSocial Security Calculator
Compare claiming at 62, full retirement age and 70, with the breakeven age.
Open calculatorSocial Security Spousal Benefits Calculator
Estimate a spousal benefit based on your partner's record.
Open calculatorSocial Security Break-Even Calculator
The age at which waiting to claim Social Security pays off.
Open calculatorIRMAA Calculator
Whether your income triggers higher Medicare Part B and Part D premiums.
Open calculatorRMD Calculator (age 73)
Your required minimum distribution from IRAs and 401(k)s by age.
Open calculatorAnnuity Calculator
How a lump sum and regular contributions grow inside an annuity.
Open calculatorAnnuity Payout Calculator
Monthly income from an annuity over a fixed period or for life.
Open calculatorAnnuity vs Lump Sum Calculator
Compare taking a pension or prize as an annuity or a lump sum.
Open calculatorPension vs Lump Sum Calculator
Compare a monthly pension with the lump sum your plan offers.
Open calculatorFIRE Calculator
Your financial independence number and how long it takes to reach it.
Open calculator
Popular guides
Frequently asked questions
How much should I have saved for retirement?
A common starting point is to aim for savings of about 25 times the annual spending your savings will need to cover, which is the 4% rule in reverse. Your own number depends on your Social Security benefit, any pension, and when you retire. The FIRE and 401(k) calculators turn that into a monthly saving target.
Should I choose a Roth or a traditional account?
It comes down to your tax rate now compared with your expected rate in retirement. If you expect a lower rate later, traditional usually wins; if you expect the same or higher, Roth usually wins. The Roth Conversion Calculator runs the comparison with your numbers.
Do these calculators use the 2026 contribution limits?
Yes. The 401(k), IRA, HSA and self-employed plan calculators use the 2026 limits published by the IRS, including the catch-up amounts for savers 50 and older.
When should I claim Social Security?
Claiming earlier gives smaller checks for more years; waiting gives larger checks for fewer years. The Social Security Calculator compares claiming at 62, at full retirement age and at 70, and shows the age at which waiting starts to pay off.