Retirement planning combines saving, taxes, Social Security and withdrawal strategy. These calculators show how much you may have, how much you need, and how the rules for 401(k)s, IRAs and RMDs affect you.
Retirement calculators (20)
- Retirement Calculator
- 401(k) Calculator
- Pension Calculator
- Social Security Calculator
- Annuity Calculator
- Annuity Payout Calculator
- Roth IRA Calculator
- IRA Calculator
- RMD Calculator
- 403b Calculator
- Retirement Withdrawal Calculator
- Savings Withdrawal Calculator
- Early Retirement Calculator
- Rule of 72 Calculator
- Future Value of Annuity Calculator
- Present Value of Annuity Calculator
- Growing Annuity Calculator
- Immediate Annuity Calculator
- Deferred Annuity Calculator
- Variable Annuity Calculator
About Retirement calculators
Most retirement saving happens in tax-advantaged accounts. Traditional 401(k) and IRA contributions may reduce your taxes now, while Roth accounts grow tax-free. The IRS sets yearly contribution limits, and once you reach the required age you must take minimum distributions from pre-tax accounts.
Social Security and pensions add guaranteed income, and annuities can convert savings into a paycheck. Use the retirement calculator to see whether your plan is on track, and the individual account tools to fine-tune contributions, employer match and claiming age.
Annuity calculators cover the present and future value of annuities, growing annuities, deferred and immediate annuities and variable annuity fees. Planning tools include the 403(b) calculator, early retirement age, the retirement withdrawal calculator and the rule of 72.
Planning for retirement income
Retirement income usually comes from several places: workplace plans such as a 401(k), individual accounts, Social Security and sometimes a pension. Begin with the retirement calculator for the big picture and then look at each source.
Choosing the account type
Traditional accounts defer tax until withdrawal, while Roth accounts are funded with after-tax money and can be withdrawn tax-free if the rules are met. Compare them with the Roth IRA calculator and the IRA calculator, and project your workplace plan with the 401(k) calculator.
Turning savings into income
Near retirement, the questions change from saving to spending. The annuity payout calculator shows what a lump sum could pay, the Social Security calculator compares claiming ages, and the RMD calculator shows required withdrawals.
What you can calculate
- Retirement Calculator: Project your retirement savings, the nest egg you need and how long your money will last.
- 401(k) Calculator: Project your 401(k) balance with salary growth, employer match and IRS contribution limits.
- Pension Calculator: Estimate your pension, compare it to a lump-sum offer and see its present value.
- Social Security Calculator: Estimate your Social Security retirement benefit and compare claiming at 62, full retirement age or 70.
- Annuity Calculator: Project an annuity through its accumulation phase and the payout it can provide.
- Annuity Payout Calculator: Find how much an annuity can pay, or how long a balance lasts at a given payment.
- Roth IRA Calculator: Project Roth IRA growth, check income limits and compare with a traditional IRA.
- IRA Calculator: Project traditional IRA growth, deductibility and tax savings, and compare it with a Roth.
- RMD Calculator: Calculate your required minimum distribution and project future RMDs.
- 403b Calculator: Project a 403(b) balance with employee and employer contributions.
- Retirement Withdrawal Calculator: See how long your retirement savings last with yearly withdrawals.
- Savings Withdrawal Calculator: Find the level yearly withdrawal that empties savings in a set number of years.
- Early Retirement Calculator: Estimate whether you can retire early from your savings and spending.
- Rule of 72 Calculator: Estimate how long it takes to double money.
- Future Value of Annuity Calculator: Compute the future value of regular payments.
- Present Value of Annuity Calculator: Compute the present value of regular payments.
- Growing Annuity Calculator: Value a payment stream that grows each period.
- Immediate Annuity Calculator: Estimate income from an immediate annuity purchase.
- Deferred Annuity Calculator: Project a deferred annuity’s accumulation and payout.
- Variable Annuity Calculator: Project a variable annuity’s value after fees.
Frequently asked questions
Are the contribution limits current?
The 2026 IRS limits are built in (401(k) $24,500, IRA $7,500) and can be edited in the data file.
Are results in future or today dollars?
Where an inflation field exists, results are shown in future dollars and in today dollars.
How much should I save for retirement?
Many planners suggest saving 10% to 15% of income, including employer match, starting early. The retirement calculator shows the monthly amount you need for your own goal.
When should I claim Social Security?
Claiming at 62 reduces your benefit permanently, while waiting until 70 increases it. The best age depends on your health, other income and spouse. The Social Security Calculator compares the options.