Free Retirement & Investing Calculators

What Each Tool Does

Every tool below opens instantly, needs no account, and processes your data locally in your browser. Here is what each one is for:

Retirement Savings

Your balance at retirement from age, savings and contributions — in today's dollars — plus the monthly income it supports under the 4% rule. Open the Retirement Savings →

Social Security

Your estimated benefit from career-average earnings via the real bend-point formula — with the 62 / 67 / 70 claiming comparison and break-even ages. Open the Social Security →

401k Contribution

The percentage that captures every matching dollar, what it actually costs per paycheck after the tax break, and your combined year-end total against IRS limits. Open the 401k Contribution →

Roth vs Traditional

The bracket-now vs bracket-later question answered with equal-outlay math — the only fair way to compare Roth and Traditional accounts. Open the Roth vs Traditional →

Early Withdrawal

The three-layer cost of touching retirement money early: 10% penalty, income tax, and the compounded future value you'll never get back. Open the Early Withdrawal →

RMD

This year's RMD from the IRS Uniform Lifetime Table, a ten-year projection of what's coming, and the penalty/QCD rules that surround it. Open the RMD →

IRA Limits

Your personal Roth and Traditional IRA answer for 2025: contribution room, deductibility and phaseout math from filing status, income and workplace-plan coverage. Open the IRA Limits →

Pension Lump Sum

The pension question answered with two numbers: the return your lump sum must earn to replace the checks, and the age at which the annuity pulls ahead. Open the Pension Lump Sum →

Roth Conversion

The conversion tax bill at your bracket, how much room you have before the next bracket, and the future-tax comparison that says whether converting pays. Open the Roth Conversion →

Annuity

Lump sum in, monthly income out — fixed-period math exactly, lifetime (SPIA-style) payouts by age, and the fees-vs-value truth about the annuity aisle. Open the Annuity →

FIRE

The FIRE number (25× spending), your years-to-freedom from the savings rate, and the lean/regular/fat targets — the whole movement in one calculator. Open the FIRE →

Coast FIRE

The number that lets compounding finish the job: your Coast FIRE target at any retirement age, your progress, and the date you could stop contributing. Open the Coast FIRE →

Dividend Income

Income now from portfolio × yield, income later with dividend growth and DRIP reinvestment compounding — plus the yield-trap warning the brochures skip. Open the Dividend Income →

Bond Yield

YTM solved properly from price, coupon and maturity — with current yield, total return, and the premium/discount intuition that makes bond quotes readable. Open the Bond Yield →

Split Returns

Shares and cost basis walked through any sequence of splits, plus the split-adjusted return between two raw prices — the math behind every adjusted chart. Open the Split Returns →

Expense Ratio

Two funds, decades of compounding, one honest dollar figure: what the expense-ratio difference costs — usually the most shocking table in investing. Open the Expense Ratio →

How to Choose the Right Tool

If you're accumulating, start with the Retirement Savings and 401(k) Contribution calculators — the match-optimization view alone is worth it — and check Roth vs Traditional before choosing an account. Approaching retirement, the Social Security Estimator, Pension Lump Sum analyzer and Annuity Payout calculator frame the income side, while the RMD calculator handles the mandatory withdrawals. FIRE-minded savers should use the FIRE and Coast FIRE tools, and income investors the Dividend Portfolio, Bond Yield and ETF Expense Ratio calculators.

Frequently Asked Questions

What return assumptions do the projections use?

Defaults use widely cited long-run figures (about 7% nominal for diversified stock portfolios, 2–3% inflation), and every rate is editable so you can stress-test pessimistic and optimistic cases.

Are the contribution limits current?

Each tool states the IRS limit year it uses. Limits change annually, so the tools display the assumption right next to the result.

Is this investment advice?

No — these are mathematical projections of the scenarios you enter. They can't know your risk tolerance or full situation. For personalized advice, consult a licensed fiduciary advisor.

Does my financial data stay private?

Yes. Balances, contributions and projections are computed locally in your browser and never uploaded.

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