Retirement Calculators
637+ free tools for 401(k), IRA, Roth, Social Security, pensions, and more.
Highest-Priority Calculators
15 calculators
Retirement calculatorRoth IRA calculator401(k) calculatorRMD calculatorIRA calculatorRetirement savings calculatorSocial Security calculatorSocial Security retirement calculatorRetirement income calculator401(k) calculator with employer matchRoth conversion calculatorRetirement age calculatorRetirement planning calculatorRetirement withdrawal calculatorEarly retirement calculator
Retirement Planning Tools
29 calculators
Simple retirement calculatorRealistic retirement calculatorAdvanced retirement calculatorMonte Carlo retirement calculatorRetirement readiness / “am I on track” calculatorRetirement needs calculatorRetirement number calculatorRetirement goal calculatorRetirement projection calculatorRetirement budget calculatorRetirement expense calculatorRetirement cost of living calculatorInflation-adjusted retirement calculatorRetirement calculator for couplesMarried retirement calculatorRetirement calculator with pension and Social SecurityRetirement healthcare cost calculatorRetirement salary replacement calculatorRetirement cash flow calculatorReverse retirement calculatorTime to retirement calculatorRetirement date calculatorRetire at 40 / 45 / 50 / 55 / 60 / 65 calculatorRetire in 10 years calculatorFIRE calculatorCoast FIRE calculatorLean FIRE calculatorFat FIRE calculatorFinancial independence number calculator
Withdrawal & Income Tools
17 calculators
How long will my money last calculatorRetirement drawdown calculatorRetirement spend-down calculatorRetirement spending calculatorSafe withdrawal rate calculator4% rule retirement withdrawal calculatorRetirement withdrawal rate calculatorRetirement withdrawal strategy calculatorBucket strategy calculatorGuyton guardrail calculatorTax-efficient retirement withdrawal calculatorRetirement account withdrawal calculatorMonthly retirement income calculatorRetirement paycheck calculatorRetirement payout calculatorNest egg withdrawal calculatorSavings withdrawal calculator with inflation
401(k), 403(b), 457, TSP Tools
37 calculators
401(k) contribution calculator401(k) growth calculator401(k) compound interest calculator401(k) future value calculator401(k) investment calculator401(k) max contribution calculator401(k) paycheck impact calculator401(k) loan calculator401(k) loan repayment calculator401(k) loan default penalty calculator401(k) withdrawal calculator401(k) withdrawal tax calculator401(k) early withdrawal penalty calculator401(k) cash out calculator401(k) RMD calculatorSolo 401(k) calculatorIndividual 401(k) contribution calculatorRoth 401(k) calculatorRoth 401(k) contribution calculatorRoth 401(k) withdrawal calculatorTraditional 401(k) calculatorAfter-tax 401(k) calculator403(b) calculator403(b) contribution calculator403(b) loan calculator403(b) withdrawal calculatorRoth 403(b) calculator457(b) calculator457 plan withdrawal calculatorRoth 457 calculatorTSP calculatorTSP growth calculatorTSP contribution calculatorTSP match calculatorTSP loan calculatorTSP withdrawal calculatorTSP RMD calculator
IRA & Roth Tools
32 calculators
Traditional IRA calculatorRoth IRA growth calculatorRoth IRA contribution calculatorRoth IRA eligibility calculatorRoth IRA income limits calculatorRoth IRA MAGI calculatorReduced Roth IRA contribution calculatorRoth IRA investment calculatorRoth IRA compound interest calculatorRoth IRA withdrawal calculatorRoth IRA early withdrawal penalty calculatorRoth IRA tax calculatorBackdoor Roth calculatorMega backdoor Roth calculatorRoth IRA conversion calculatorRoth IRA conversion tax calculator401(k) to Roth IRA conversion calculatorIRA growth calculatorIRA contribution calculatorIRA deduction calculatorIRA withdrawal calculatorIRA withdrawal tax calculatorIRA early withdrawal penalty calculatorIRA distribution tax calculatorIRA payout calculatorIRA annuity calculatorSEP IRA calculatorSEP IRA contribution calculatorSIMPLE IRA calculatorSIMPLE IRA contribution calculatorSIMPLE IRA employer match calculatorCustodial IRA / custodial Roth IRA calculator
RMD & Inherited IRA Tools
13 calculators
Required minimum distribution calculatorIRA RMD calculatorFuture RMD calculatorRMD age calculatorRMD start date calculatorRMD tax calculatorRMD tax withholding calculatorBeneficiary IRA RMD calculatorInherited IRA RMD calculatorInherited Roth IRA RMD calculatorNon-spouse inherited IRA RMD calculatorInherited IRA distribution calculatorInherited IRA tax calculator
Pension & Annuity Tools
33 calculators
Pension calculatorPrivate pension calculatorCompany pension calculatorDefined benefit pension calculatorDefined contribution pension calculatorFinal salary pension calculatorPension plan calculatorPension payout calculatorMonthly pension calculatorPension lump sum calculatorPension lump sum tax calculatorPension present value calculatorPension buyout calculatorPension value calculatorPension valuation calculatorPension drawdown calculatorPension income calculatorPension withdrawal calculatorPension withdrawal tax calculatorPension tax calculatorPension tax by state calculatorPension contribution calculatorPension eligibility calculatorPension COLA calculatorJoint and survivor pension calculatorSurvivor benefit plan calculatorCash balance pension plan calculatorAnnuity calculatorRetirement annuity calculatorImmediate annuity calculatorLifetime annuity calculatorLife annuity calculatorInvestment annuity calculator
Government, Military & Public-Sector Tools
24 calculators
Federal retirement calculatorFERS retirement calculatorFERS annuity calculatorFERS pension calculatorFERS high-3 calculatorFERS annuity supplement calculatorCSRS retirement calculatorOPM retirement calculatorFederal law enforcement retirement calculatorMilitary retirement calculatorMilitary retirement pay calculatorMilitary pension calculatorMilitary high-3 calculatorMilitary Redux retirement calculatorBlended Retirement System calculatorReserve retirement calculatorNational Guard retirement calculatorReserve points calculatorMilitary disability retirement calculatorCRSC pay calculatorCRDP calculatorMilitary SBP calculatorMilitary divorce pension calculatorMilitary service buyback calculator
State, Teacher, Union & Employer-Specific Niches
24 calculators
Teacher retirement calculatorTeacher pension calculatorCalPERS calculatorCalSTRS calculatorTRS retirement calculatorSTRS retirement calculatorNYSTRS calculatorNYCERS pension calculatorOPERS calculatorPERS retirement calculatorIPERS calculatorKPERS calculatorFRS retirement calculatorTMRS calculatorVRS calculatorRailroad retirement calculatorPolice pension calculatorFirefighter pension calculatorUSPS retirement calculatorUPS pension calculatorTeamsters pension calculatorIBEW pension calculatorUAW pension calculatorNFL pension calculator
Retirement Income & Tax Planning
14 calculators
Capital gains tax in retirement calculatorTax-loss harvesting calculatorQualified dividend tax calculator (retirement)Retirement tax diversification calculatorNet unrealized appreciation (NUA) calculatorProvisional income calculatorIRMAA Medicare surcharge calculatorIRMAA income bracket calculatorMedicare Part B premium calculatorMedicare Part D premium calculatorEstimated tax payment calculator (retirees)Charitable remainder trust calculatorQualified charitable distribution (QCD) calculatorDonor-advised fund tax calculator
Healthcare & Long-Term Care
12 calculators
Long-term care cost calculatorLong-term care insurance calculatorHealth savings account (HSA) retirement calculatorHSA contribution calculatorHSA investment growth calculatorMedigap plan comparison calculatorMedicare Advantage vs Original Medicare calculatorCOBRA cost calculator (early retirement bridge)ACA marketplace subsidy calculator (early retirees)Nursing home cost calculatorAssisted living cost calculatorHome health care cost calculator
Estate Planning & Wealth Transfer
13 calculators
Estate tax calculatorGift tax calculatorAnnual gift exclusion calculatorGeneration-skipping trust calculatorInheritance tax calculator (by state)Beneficiary IRA stretch calculatorTrust distribution calculatorLife insurance needs calculator (retirement)Irrevocable life insurance trust (ILIT) calculatorStep-up in basis calculatorCommunity property step-up calculatorProbate cost calculator (by state)Power of attorney financial planning calculator
Housing & Real Estate in Retirement
10 calculators
Reverse mortgage calculator (HECM)Reverse mortgage line of credit calculatorDownsizing in retirement calculatorRent vs own in retirement calculatorHome equity conversion calculatorProperty tax freeze calculator (senior exemptions)Snowbird cost calculator (dual living)CCRC (continuing care retirement community) cost calculatorAge-in-place home modification cost calculatorVacation home retirement calculator
Debt & Pre-Retirement
5 calculators
Investment & Withdrawal Strategies
18 calculators
Bond ladder calculatorCD ladder calculatorTIPS ladder calculatorDividend income retirement calculatorDividend reinvestment retirement calculatorVariable annuity fee calculatorFixed indexed annuity calculatorDeferred income annuity calculatorAsset allocation by age calculatorGlide path calculator (target date fund)Rebalancing frequency calculatorBear market impact on retirement calculatorDollar cost averaging vs lump sum calculatorTreasury bond yield calculatorI-Bond retirement calculatorRental income retirement calculatorREIT income calculatorCovered call income calculator
FIRE Variations
8 calculators
Specific Employer / Union Pensions
18 calculators
LACERS pension calculator (Los Angeles)SFERS pension calculator (San Francisco)MOSERS pension calculator (Missouri)PERA retirement calculator (Colorado)IMRF pension calculator (Illinois Municipal)SERS retirement calculator (State Employees)WRS retirement calculator (Wisconsin)MassMutual pension calculatorNYSLRS pension calculator (New York State)MPERS pension calculator (Michigan)ATRS calculator (Arkansas Teacher)ERS retirement calculator (Employees Retirement System)PFRS pension calculator (Police and Fire)Foreign Service pension calculatorCongressional pension calculatorCIA/intelligence pension calculatorFAA controller retirement calculatorAir traffic controller pension calculator
Lifestyle & Budgeting
8 calculators
Life Events & Timing
10 calculators
Retirement countdown calculatorBest month to retire calculator (federal employees)Lost decade recovery calculatorCareer break impact on retirement calculatorSabbatical impact on retirement calculatorDivorce impact on retirement calculatorSecond marriage retirement calculatorRetirement with dependents calculatorSingle vs married retirement comparison calculatorWidowhood financial impact calculator
Business Owners
10 calculators
Defined benefit plan for self-employed calculatorBusiness sale retirement calculatorSmall business retirement plan comparison calculatorS-Corp retirement contribution calculatorProfit sharing plan calculatorMoney purchase plan calculatorEmployee stock ownership (ESOP) retirement calculatorStock option exercise retirement calculatorRSU vesting retirement calculatorDeferred compensation plan calculator (409A)
International & Expat
10 calculators
Expat retirement calculatorForeign pension US tax calculatorSocial Security totalization agreement calculatorRetire abroad cost calculatorCurrency exchange retirement income calculatorMexico retirement calculatorCosta Rica retirement calculatorPortugal retirement calculatorPanama retirement calculatorThailand retirement calculator
Miscellaneous Tools
10 calculators
Rule of 72 calculatorRule of 55 calculator (401k early access)Substantially equal periodic payments (72t/SEPP) calculatorSavings milestone calculatorRetirement confidence score calculatorEmergency fund in retirement calculatorCash reserve bucket calculatorLegacy/inheritance goal calculatorCharitable giving budget calculator (retirement)Volunteer time value calculator
Medicare & Insurance
16 calculators
Medicare enrollment penalty calculatorMedicare late enrollment penalty calculator (Part A)Medicare Part D late enrollment penalty calculatorMedicare Part D coverage gap (donut hole) calculatorMedicare out-of-pocket maximum calculatorMedicare cost estimator by age calculatorMedicare vs employer insurance comparison calculatorMedicare annual cost projection calculatorMedicare total lifetime cost calculatorRetiree health insurance cost comparison calculatorHealth insurance bridge calculator (early retirement to Medicare)FEHB vs Medicare calculator (federal retirees)Tricare for Life cost calculator (military retirees)VA healthcare eligibility calculatorVA copay estimator calculatorVA aid and attendance benefit calculator
Dental, Vision & Hearing
6 calculators
Prescription & Medication
7 calculators
Long-Term Care (Advanced)
14 calculators
Long-term care hybrid policy calculatorLong-term care partnership program calculatorMemory care cost calculatorDementia care cost calculatorAlzheimer's caregiver cost calculatorRespite care cost calculatorAdult day care cost calculatorIn-home caregiver cost calculatorLive-in aide cost calculatorLong-term care Medicaid spend-down calculatorMedicaid eligibility calculator (by state)Medicaid look-back period calculatorMedicaid asset protection calculatorVeterans long-term care benefit calculator
Medical Procedures & Conditions
13 calculators
Hip replacement cost calculatorKnee replacement cost calculatorCataract surgery cost calculatorHeart surgery cost calculatorCancer treatment cost calculatorDiabetes management cost calculatorChronic illness retirement cost calculatorPhysical therapy cost calculatorMental health care cost in retirement calculatorTherapy/counseling cost retirement calculatorStroke recovery cost calculatorSpinal surgery cost calculatorCardiac rehabilitation cost calculator
Health Savings & Planning
11 calculators
Healthcare cost by state calculator (retirees)Healthcare inflation retirement calculatorMedical expense tax deduction calculator (age 65+)Health care cost of living by city calculatorMedical tourism savings calculatorTelehealth vs in-person cost calculatorHealth spending account drawdown calculatorFlexible spending account (FSA) retirement calculatorHealth reimbursement arrangement (HRA) calculatorEmployer retiree health benefit value calculatorHealthcare power of attorney cost calculator
Wellness & Preventive
9 calculators
Preventive care savings calculatorGym/fitness membership retirement budget calculatorWeight management program cost calculatorSmoking cessation savings calculator (retirement impact)Alcohol reduction health savings calculatorWellness program ROI calculatorHealth screening schedule cost calculatorVaccination cost calculator (retirees)Annual physical exam cost calculator
Disability & Special Needs
9 calculators
Disability insurance retirement gap calculatorSpecial needs trust calculatorABLE account calculatorSupplemental needs trust calculatorDisability benefit offset calculatorWorkers comp to retirement transition calculatorAdaptive equipment cost calculatorWheelchair accessibility renovation calculatorMobility aid cost calculator
Caregiver Planning
10 calculators
Caregiver financial impact calculatorCaregiver opportunity cost calculatorFamily caregiver tax credit calculatorCaregiver burnout cost calculatorSandwich generation financial calculatorAging parent care cost calculatorSpousal caregiver Social Security impact calculatorCaregiver respite budget calculatorCaregiver travel cost calculatorElder care attorney cost calculator
End of Life Planning
10 calculators
Funeral cost calculatorCremation vs burial cost calculatorFinal expense insurance calculatorHospice care cost calculatorPalliative care cost calculatorEnd-of-life medical cost calculatorPre-paid funeral plan calculatorDeath benefit calculation calculatorEstate medical debt calculatorLife settlement calculator (sell life insurance policy)
Education & Family Legacy
10 calculators
529 plan grandparent calculatorGrandchild education gift calculatorEducation trust fund calculatorTuition gifting tax impact calculatorStudent loan cosigner retirement impact calculatorAdult child financial support cost calculatorBoomerang kid financial impact calculatorMulti-generational household savings calculatorFamily loan impact on retirement calculatorGrandparent childcare savings calculator
Insurance (Non-Health)
10 calculators
Umbrella insurance retirement calculatorHomeowners insurance retirement cost calculatorAuto insurance retirement cost calculatorLong-term disability vs retirement savings calculatorLife insurance cash value retirement calculatorWhole life insurance surrender value calculatorTerm life insurance retirement transition calculatorAnnuity surrender charge calculatorProperty insurance cost projection calculatorLiability insurance retirement calculator
Legal & Administrative
10 calculators
Estate planning attorney cost calculatorTrust setup cost calculatorWill preparation cost calculatorGuardianship cost calculatorConservatorship cost calculatorRetirement account beneficiary review calculatorPower of attorney setup cost calculatorLiving trust vs will cost comparison calculatorRetirement legal document checklist cost calculatorTax preparation cost in retirement calculator
Technology & Digital
10 calculators
Technology budget retirement calculatorStreaming services retirement cost calculatorCell phone plan retirement budget calculatorInternet service retirement cost calculatorSmart home setup cost calculator (aging in place)Medical alert system cost calculatorDigital estate planning calculatorCryptocurrency retirement portfolio calculatorDigital subscription audit calculatorIdentity theft protection cost calculator
Transportation
10 calculators
Car replacement schedule retirement calculatorCar ownership vs rideshare retirement calculatorElectric vehicle retirement savings calculatorPublic transit retirement savings calculatorAAA/roadside assistance retirement cost calculatorCar maintenance retirement budget calculatorTwo-car to one-car savings calculatorRV lifestyle retirement cost calculatorBoat ownership retirement cost calculatorSenior driving assessment cost calculator
Alternative Retirement Lifestyles
10 calculators
Van life retirement budget calculatorTiny home retirement calculatorCo-housing retirement cost calculatorHouse-sitting retirement calculatorNomad retirement budget calculatorWorkamper retirement calculatorHomesteading retirement cost calculatorOff-grid retirement cost calculatorSailboat retirement calculatorFull-time RV retirement calculator
Real Estate (Advanced)
10 calculators
1031 exchange retirement calculatorReal estate syndication retirement income calculatorTimeshare exit cost calculatorVacation rental income retirement calculatorAirbnb retirement income calculatorProperty management cost calculatorReal estate crowdfunding retirement calculatorLand investment retirement calculatorMobile home park investment calculatorSenior housing investment calculator
Specific Professions
18 calculators
Doctor/physician retirement calculatorDentist retirement calculatorPharmacist retirement calculatorLawyer retirement calculatorProfessor/academic retirement calculatorClergy/pastor retirement calculator (housing allowance)Nonprofit worker retirement calculatorSocial worker retirement calculatorPilot retirement calculatorFlight attendant retirement calculatorTruck driver retirement calculatorConstruction worker retirement calculatorElectrician/plumber retirement calculatorRealtor retirement calculatorFreelancer retirement calculatorArtist/musician retirement calculatorJournalist retirement calculatorRetail worker retirement calculator
Women & Demographic-Specific
10 calculators
Women's retirement gap calculatorGender pay gap retirement impact calculatorStay-at-home parent retirement gap calculatorSingle parent retirement calculatorLGBTQ+ retirement planning calculatorImmigrant retirement planning calculatorLate-career starter retirement calculatorCareer changer retirement impact calculatorVeterans spouse retirement calculatorSurviving spouse financial transition calculator
Seasonal & Recurring Expenses
8 calculators
Holiday gift budget retirement calculatorBirthday/anniversary gift retirement budget calculatorAppliance replacement schedule calculatorSeasonal clothing budget retirement calculatorTax season preparation cost calculatorAnnual membership/dues retirement calculatorCharitable giving retirement budget calculatorReligious tithing retirement calculator
Recession & Risk Planning
6 calculators
More International Destinations
15 calculators
Spain retirement calculatorFrance retirement calculatorItaly retirement calculatorColombia retirement calculatorEcuador retirement calculatorPhilippines retirement calculatorMalaysia retirement calculatorVietnam retirement calculatorBelize retirement calculatorDominican Republic retirement calculatorUruguay retirement calculatorGreece retirement calculatorCroatia retirement calculatorJapan retirement calculatorCanada retirement calculator
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Social Security Tools
20 calculators