Retirement Calculators
Retirement math has a lot of moving parts. These tools break it down piece by piece, whether you are just starting to save or already thinking about early retirement. They share the same growth and inflation assumptions, stated on the Methodology page.
Retirement Calculator Enter your age, savings, and monthly contribution to see what your retirement balance could become, shown both in future dollars and in today’s purchasing power. IRA Growth Calculator See how regular IRA contributions can grow over time with monthly compounding. Mega Backdoor Roth Calculator Calculate the extra after-tax 401(k) contributions you can make and convert to Roth, on top of your normal deferral and employer match. Coast FIRE Calculator Coast FIRE is the amount invested today that grows into your full retirement target on its own, letting you stop adding new money. FIRE Number Calculator Your FIRE number is the portfolio that can cover your annual expenses at a safe withdrawal rate, which is 25 times expenses at the classic 4% rate. Retirement Drawdown Calculator See how long your retirement savings last under a yearly withdrawal that rises with inflation, at your expected return. 401(k) Match Calculator See how much employer match you earn, whether you are leaving any free money on the table, and how it grows over time. Pension vs Lump Sum Calculator Compare a lifetime pension against a lump sum in today’s dollars, and see the return that would make taking the lump sum the better call. Traditional vs Roth 401(k) Calculator Compare a Traditional and Roth 401(k) on what you actually keep after tax, held to an equal take-home cost. Roth IRA Contribution Limit Calculator (2026) See how much you can put in a Roth IRA this year once the income phase-out is applied for your filing status. Backdoor Roth Calculator See the true tax cost of a backdoor Roth once the pro-rata rule counts your existing pre-tax IRA money. RMD Calculator Calculate the minimum you must withdraw from a pre-tax retirement account this year, using the IRS Uniform Lifetime Table. Social Security Break-Even Calculator Compare claiming Social Security early against waiting, and find the age where the larger later checks overtake the early head start. Solo 401(k) Calculator Find your maximum Solo 401(k) contribution, combining the employee salary deferral with the employer profit-sharing share. SEP-IRA Calculator Calculate your maximum SEP-IRA contribution, which is 20 percent of net self-employment income up to the annual limit. Social Security Tax Calculator See how much of your Social Security benefit is subject to federal income tax, based on your other income. Roth Conversion Ladder Calculator Plan a Roth conversion ladder, seeing the tax on each year of conversions and the total across the plan. 72(t) SEPP Calculator Calculate 72(t) substantially equal periodic payments to tap a retirement account before 59.5 without the penalty. Inherited IRA Calculator Plan withdrawals from an inherited IRA under the 10-year rule, with the level annual amount that empties it by the deadline.