Retirement calculators
A retirement projection is an assumption with arithmetic attached, and the assumption does far more work than the arithmetic. These tools show the rate they assumed and how much the answer moves when it is wrong, because a single confident number about forty years from now is the one thing nobody can honestly give you.
Retirement Corpus CalculatorThe retirement corpus that supports inflation-linked withdrawals for a stated number of years, and the monthly saving that builds it. The corpus is sized on the real return, not the nominal one.Retirement Withdrawal CalculatorHow long a retirement corpus lasts when withdrawals rise with inflation each year. Holding withdrawals flat is what makes most retirement calculators too optimistic.FIRE CalculatorThe portfolio that supports your expenses indefinitely, and how long it takes to build. The savings rate matters far more than the return, which is the finding that makes the whole idea work.Coast FIRE CalculatorThe amount that, left alone, grows into a full retirement corpus by itself. Reaching it means you can stop saving for retirement entirely and still retire on time, which is a milestone worth knowing about.Safe Withdrawal Rate CalculatorWhat a withdrawal rate produces in cash, whether the portfolio survives the period, and the rate that would exactly exhaust it. Above the real return, capital is being consumed.401(k) CalculatorA 401(k) projected to retirement with the employer match modelled properly. Contributing below the match threshold declines free money, which no investment return can make up for.401(k) Employer Match CalculatorEmployer match earned against the maximum available. A dollar-for-dollar match is a hundred percent instant return, which is more than any investment reliably provides.Roth vs Traditional 401(k) CalculatorRoth against traditional 401(k) contributions. At the same tax rate they are mathematically identical, so the entire question is whether your rate will be higher or lower in retirement.IRA CalculatorIRA growth with the Roth against traditional comparison. If your tax rate is the same now and in retirement the two are mathematically identical, so the choice is entirely a bet on which rate is higher.Roth IRA Conversion CalculatorRoth conversion tax and whether it pays. Converting only up to the top of your current bracket is the standard technique, because the spill into the next bracket is taxed at a higher rate for no extra benefit.Backdoor Roth CalculatorBackdoor Roth with the pro rata rule applied. The strategy is only tax free when you hold no other pre-tax IRA money, and the rule aggregates every traditional, SEP and SIMPLE IRA you own.RMD CalculatorThe required minimum distribution from a retirement account: last year's closing balance divided by a life expectancy factor. The factor comes from the IRS table, which was rewritten in 2022, so it is an input rather than a number buried in code.Social Security Benefit CalculatorA Social Security benefit estimate from average indexed earnings, showing the progressive bend points and the adjustment for claiming early or late. The formula deliberately replaces far more of a low earner's income than a high earner's.Social Security Claim Age Break-EvenThe ages at which delaying Social Security overtakes claiming early, for each pair of claiming ages. It is a longevity bet, and the break-even ages are what you are betting against.Pension Lump Sum vs Annuity CalculatorA pension lump sum against the annuity offered instead, compared on present value and on how long you would need to live for the annuity to win. The discount rate you assume decides the answer.Annuity Payout CalculatorAnnuity payouts against self-managed drawdown. An annuity buys certainty at the cost of return, and the return-of-purchase-price option costs about a percentage point of rate.HSA Contribution & Growth CalculatorHSA growth with the triple tax advantage. Contributions are deductible, growth is untaxed and qualified withdrawals are untaxed, which no other US account offers at all three stages.