Retirement & money calculators
A connected toolkit for the big financial questions, built to be read as much as used. Start with the retirement calculator for the whole picture — are you on track, and will your money last? — then drill into the specifics: how your 401(k) and its employer match grow, whether to save pre-tax or Roth, how compounding builds a balance, how fast you can safely spend it down, and what Social Security will add. They share the same assumptions, so the numbers stay consistent as you move between them.
- Start hereRetirement CalculatorAre you on track to retire, and will your savings last? The big-picture tool that ties the others together.
- 401(k) Growth CalculatorProject your 401(k) balance and see the employer match you earn — or leave behind.Answers: How much will my 401(k) be worth, and am I capturing the full employer match?
- Roth vs. Traditional IRA CalculatorCompare after-tax outcomes of Roth and Traditional contributions, both ways.Answers: Should I contribute to a Roth or a Traditional account this year?
- Compound Interest CalculatorSee how a lump sum plus regular deposits compound, and what APY really means.Answers: How much will my savings grow over time at a given rate?
- Safe Withdrawal Rate CalculatorTest the 4% rule and find a sustainable withdrawal rate for your horizon.Answers: How much can I withdraw each year without running out of money?
- Social Security Benefit EstimatorApproximate your monthly benefit and find the best age to claim.Answers: How much Social Security will I get, and when should I claim it?
Which calculator should I use?
If you want to know whether you are on track overall — the single most important question — start with the retirement calculator. It projects your savings, estimates what you will need, and tells you whether your money lasts, folding in Social Security and other income.
If you are deciding how much to put in your 401(k) this year, or you are not sure you are capturing the full employer match, use the 401(k) growth calculator — it flags the exact dollars you would forfeit by contributing below the match ceiling. If the question is whether those dollars should be pre-tax or Roth, the Roth vs. Traditional calculator compares both fairly and shows the breakeven tax rate.
If you simply want to understand how savings grow — or to sanity-check any of the projections — the compound interest calculator shows the mechanics and the effective yield. When you are closer to or in retirement and the question becomes how much you can safely spend, the safe withdrawal rate calculator tests the 4% rule and sequence-of-returns risk. And to estimate the guaranteed income that reduces how much your savings must provide, use the Social Security estimator.