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.
Free Retirement Calculators
28 toolsRetirement savings and withdrawal calculators. Browse our free retirement tools below — no sign-up required.
401(k) Calculator — Retirement Savings & Employer Match
Free 401(k) calculator. Estimate your retirement savings with employer match, contribution limits, growth projections, and Roth vs Traditional comparison.
403(b) Calculator
Free 403(b) calculator for 2026. 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 2026. 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.
Atal Pension Yojana (APY) Calculator — Monthly Pension Estimator
Free Atal Pension Yojana calculator. Estimate the monthly-equivalent contribution, pension at 60, and compare APY pension tiers.
Catch-Up Contribution Calculator
Free catch-up contribution calculator for 2026. Compare extra retirement-plan savings by plan type, age bracket, and the SECURE 2.0 super catch-up window 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.
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, Roth phase-outs, and required minimum distribution timing using the modeled tax settings on this page.
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.
NPS Calculator — National Pension Scheme Returns & Pension Estimator
Free NPS calculator. Estimate your National Pension Scheme corpus at retirement, monthly pension, lump-sum withdrawal, annuity split, and tax-rule context.
Required Minimum Distribution (RMD) Calculator
Free RMD calculator. Calculate your Required Minimum Distribution from your IRA or 401(k) using IRS Uniform Lifetime Table rules. Includes multi-year projections and SECURE Act 2.0 age rules.
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 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 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 2026. 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.
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.