Retirement & 401(k)

Calculate your 401(k) balance at retirement with employer match, contribution limits, and growth projections. Compare Roth vs Traditional.

Calculate Roth IRA growth projections, tax-free withdrawals, and compare to Traditional IRA. 2025 contribution limits included.

Calculate the tax impact of converting a Traditional IRA to Roth. See break-even year and multi-year tax projections.

Compare claiming Social Security at ages 62, 67, and 70. Find your break-even age and maximize lifetime benefits.

Calculate when you can achieve financial independence. See your FIRE number, savings rate, and year-by-year projections.

Plan retirement withdrawals with the 4% rule. See how long your portfolio will last with projected returns and inflation.

Calculate your Required Minimum Distribution for Traditional IRAs and 401(k)s using the IRS Uniform Lifetime Table.

Calculate annuity payouts from a lump sum, or lump sum needed for desired income. Compare payout rates.

Estimate pension benefits based on years of service, salary, and multiplier. See survivor benefit impact.

Estimate Social Security benefits from earnings history. See PIA calculation and benefits at 62, 67, and 70.

Calculate maximum SEP IRA contribution for self-employed. 2025 limit: $69,000 or 25% of compensation.

Calculate SIMPLE IRA contributions with employer match. 2025 limit: $16,500 ($19,500 if 50+).

Find out if you have enough invested to coast to retirement without saving more. Calculate your coast FIRE number.

Calculate your lean FIRE number for minimal annual expenses. See years to financial independence on a lean budget.

Calculate how much you need to semi-retire with part-time income covering the gap.

Calculate safe withdrawal rate and portfolio sustainability. See historical success rates at different SWR levels.

Calculate your FI number and years to financial independence at different savings rates.

Compare Roth vs Traditional contributions. See which wins based on current vs retirement tax brackets.

Calculate spousal IRA contribution limits and projected growth for non-working spouses.

Calculate the 10% early withdrawal penalty and taxes on 401(k)/IRA withdrawals before age 59.5.

Calculate max SEP IRA contribution with the self-employed adjustment. 2025 cap: $69,000.

Calculate employee + employer Solo 401(k) contributions. Compare to SEP IRA limits.

Calculate required funding for a defined benefit pension plan. See massive tax deduction potential.

Calculate combined spousal Social Security benefits. Find the optimal claiming strategy for couples.

Calculate survivor and children benefits after a spouse's death. See family maximum.

Calculate backdoor Roth conversion with pro-rata rule. See tax cost if traditional IRA has balance.

Calculate max after-tax 401(k) contribution for mega backdoor Roth. 2025 total limit: $69,000.

Calculate TSP contributions, agency match, and projected balance for federal employees and military.

Calculate federal FERS pension annuity from years of service and high-3 salary.

Calculate CSRS pension for legacy federal employees from years of service and high-3 salary.

Compare taking a monthly pension vs lump sum payout. Find the break-even age.

Calculate the gap between desired retirement income and guaranteed sources (SS, pension).

See how the order of investment returns dramatically affects your retirement. Compare good-first vs bad-first.

Allocate retirement savings into cash, bonds, and stock buckets for income stability.

Calculate WEP reduction to SS benefits for workers with non-covered pensions.

Calculate Government Pension Offset reducing spousal/survivor SS benefits.

Check your Traditional and Roth IRA limits based on income, age, and employer plan coverage.

Get a retirement readiness score based on savings, income, age, and goals. See if you are on track.

Find your Social Security FRA, early claiming age, Medicare eligibility, and delayed credits age.

Calculate 403(b) retirement savings for nonprofit and education employees.

Calculate 457(b) deferred compensation plan growth. No early withdrawal penalty.

Calculate total savings needed for retirement from desired income, years, and inflation.

See maximum Social Security benefits at ages 62, FRA, and 70 for 2025.

Compare pension options with 0%, 50%, 75%, and 100% survivor benefits.

Compare 401(k), 403(b), 457(b), Traditional IRA, and Roth IRA side by side.

Calculate catch-up contribution limits by age and account type including super catch-up.

Calculate SS withholding if working before FRA ($1 per $2 over $22,320).

Project Social Security benefit growth with COLA over 5, 10, and 20 years.

Project pension purchasing power with and without COLA adjustments.

Estimate healthcare costs in retirement (Fidelity: $315K for couple at 65).

Calculate contributions and growth for state-mandated auto-IRA programs.