Calculator library
Retirement Calculators
401(k)s, IRAs, employer matches, and FIRE timelines — find out if your future self is on track.
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Calculator index
Every tool is free, private, and explains the formula behind the result.
Featured calculator
Retirement Calculator
Project your retirement savings with employer match, annual raises, and inflation. See your nest egg in today's dollars, year by year.
Open calculator- Retirement calculator
FIRE Calculator
Calculate how many years until financial independence based on your savings rate, using the 4% rule. See how saving more moves your FIRE date.Open tool - Retirement calculator
401(k) Calculator
Project your 401(k) balance at retirement with employer matching and annual raises — and see exactly what the match adds over your career.Open tool - Retirement calculator
Roth IRA Calculator
Project your Roth IRA balance and see how much tax you avoid with tax-free growth compared with a taxable account. Instant, free, accurate.Open tool - Fire
Coast FIRE Calculator
Calculate the retirement balance needed today to coast without new contributions, using spending, retirement age, return, inflation, and withdrawal rate.Open tool - Withdrawals
Required Minimum Distribution Calculator
Estimate a required minimum distribution from a retirement balance and the IRS distribution period. Use the official IRS table for the exact factor.Open tool - Social Security
Social Security Claiming Calculator
Compare Social Security benefits at different claiming ages and estimate a simple break-even age. Replace assumptions with your personal SSA estimate.Open tool
Desk notes
What these calculators reveal
Retirement planning suffers from a scale problem: the numbers are so large and the time horizons so long that intuition fails almost everyone. Is saving 10% of your income enough? What is an employer match actually worth over 30 years? How much does inflation shrink a “comfortable” nest egg between now and 2055? The calculators in this section turn those abstractions into concrete projections. You can model a 401(k) with employer matching and annual raises, project Roth IRA growth and see the value of tax-free compounding, run a full retirement projection that adjusts for inflation so the result is stated in today’s dollars, and — if early retirement is the goal — calculate your years to financial independence based on your savings rate using the math behind the FIRE movement and the 4% rule. Every projection shows its assumptions up front and lets you change them, because a retirement calculator is only as honest as the inputs it admits to. Use these tools to sanity-check your current plan, compare scenarios side by side, and find the contribution level that actually gets you to the retirement you want.