Retirement CalculatorsPlan a Secure Future
Plan for your retirement with calculators for 401(k), Roth IRA, Social Security, FIRE, and more — see if you're on track in seconds.
Top Retirement Calculators
The 3 most popular retirement tools to plan your golden years.
401(k) Calculator
Calculate your 401(k) growth with employer matching. See projections and maximize your retirement.
Roth IRA Calculator
Calculate your Roth IRA growth and tax-free retirement income. Compare with Traditional IRA.
FIRE Calculator
Calculate when you can reach Financial Independence and Retire Early. See your FIRE number and savings timeline.
All Retirement Calculators
10 tools for every stage of retirement planning.
Retirement Calculator
Plan your retirement savings. See if you are on track and how long your savings will last.
401(k) Calculator
Calculate your 401(k) growth with employer matching. See projections and maximize your retirement.
Roth IRA Calculator
Calculate your Roth IRA growth and tax-free retirement income. Compare with Traditional IRA.
Retirement Income Calculator
Calculate your retirement income from savings, Social Security, pensions and other sources.
Social Security Calculator
Estimate your Social Security benefits and find the best age to claim. Compare claiming strategies.
FIRE Calculator
Calculate when you can reach Financial Independence and Retire Early. See your FIRE number and savings timeline.
Mega Backdoor Roth Calculator
Calculate your hidden after-tax 401(k) contribution room up to $69,500 in 2026. Maximize Roth savings.
HSA Calculator
Estimate HSA tax savings and long-term retirement growth. 2026 limits: $4,400 single, $8,750 family.
401(k) Early Withdrawal Calculator
Calculate the true cost of an early 401k or IRA withdrawal including the 10% penalty, taxes, and opportunity cost.
How Long Will My Money Last
Calculate how many years your retirement savings will last based on withdrawal rate, investment returns, and inflation.
Retirement Planning: Securing Your Financial Future
Retirement planning is about ensuring you have enough money to maintain your desired lifestyle when you stop working. The key is to start early, save consistently, and take advantage of tax-advantaged retirement accounts.
Retirement Account Types
401(k)
Employer-sponsored retirement plan with pre-tax contributions.
- • 2026 contribution limit: $23,000 ($30,500 if 50+)
- • Often includes employer matching
- • Taxes paid on withdrawal in retirement
Traditional IRA
Individual retirement account with tax-deductible contributions.
- • 2026 contribution limit: $7,000 ($8,000 if 50+)
- • Tax deduction on contributions
- • Taxes paid on withdrawal in retirement
Roth IRA
After-tax contributions with tax-free growth and withdrawals.
- • 2026 contribution limit: $7,000 ($8,000 if 50+)
- • No tax deduction on contributions
- • Tax-free withdrawals in retirement
Roth 401(k)
Combines 401(k) limits with Roth tax treatment.
- • Same limit as traditional 401(k)
- • After-tax contributions
- • Tax-free withdrawals in retirement
The 4% Rule
A popular guideline for retirement withdrawals. It suggests you can withdraw 4% of your retirement savings in the first year, then adjust for inflation each year, with a high probability of not running out of money over 30 years.
Need $50,000/year in retirement?
$50,000 ÷ 0.04 = $1,250,000 needed
Key Retirement Planning Strategies
Start Early
Time is your biggest asset. Starting at 25 vs 35 can mean hundreds of thousands more.
Max Employer Match
Always contribute enough to get the full employer match. It's an instant 50-100% return.
Diversify
Spread investments across stocks, bonds, and other assets based on your timeline.
Retirement Savings by Age Guidelines
A common benchmark is to have saved a multiple of your annual salary by certain ages:
1x
By age 30
3x
By age 40
6x
By age 50
10x
By age 67
Retirement Guides
View AllThe FIRE Movement in 2026: How Much Do You Actually Need to Retire Early?
Financial Independence, Retire Early is more popular than ever. With 2026 contribution limits, new tax rules, and market conditions, here is the updated math behind FIRE.
401(k) Contribution Limits 2026: $23,500 (or $34,750 if 60-63)
2026 401(k) contribution limits: $23,500 under 50, $31,000 if 50+, $34,750 ages 60-63. See full IRS limits, catch-up rules, and how to max out your 401(k).
The Retirement Product That Made My Mom Lose $18,000 (Don't Make Her Mistake)
Annuity salespeople earn 7% commission pushing these products. Learn when annuities are actually worth it—and the red flags that cost people thousands.
Start Planning Your Retirement
See if you are on track for retirement and how much you need to save — free and instant.