Retirement planning combines saving, taxes, Social Security and withdrawal strategy. These calculators show how much you may have, how much you need, and how the rules for 401(k)s, IRAs and RMDs affect you.
Retirement calculators (9)
Retirement Calculator
Project your retirement savings, the nest egg you need and how long your money will last.
Open Tool →401(k) Calculator
Project your 401(k) balance with salary growth, employer match and IRS contribution limits.
Open Tool →Pension Calculator
Estimate your pension, compare it to a lump-sum offer and see its present value.
Open Tool →Social Security Calculator
Estimate your Social Security retirement benefit and compare claiming at 62, full retirement age or 70.
Open Tool →Annuity Calculator
Project an annuity through its accumulation phase and the payout it can provide.
Open Tool →Annuity Payout Calculator
Find how much an annuity can pay, or how long a balance lasts at a given payment.
Open Tool →Roth IRA Calculator
Project Roth IRA growth, check income limits and compare with a traditional IRA.
Open Tool →IRA Calculator
Project traditional IRA growth, deductibility and tax savings, and compare it with a Roth.
Open Tool →RMD Calculator
Calculate your required minimum distribution and project future RMDs.
Open Tool →About Retirement calculators
Most retirement saving happens in tax-advantaged accounts. Traditional 401(k) and IRA contributions may reduce your taxes now, while Roth accounts grow tax-free. The IRS sets yearly contribution limits, and once you reach the required age you must take minimum distributions from pre-tax accounts.
Social Security and pensions add guaranteed income, and annuities can convert savings into a paycheck. Use the retirement calculator to see whether your plan is on track, and the individual account tools to fine-tune contributions, employer match and claiming age.
Planning for retirement income
Retirement income usually comes from several places: workplace plans such as a 401(k), individual accounts, Social Security and sometimes a pension. Begin with the retirement calculator for the big picture and then look at each source.
Choosing the account type
Traditional accounts defer tax until withdrawal, while Roth accounts are funded with after-tax money and can be withdrawn tax-free if the rules are met. Compare them with the Roth IRA calculator and the IRA calculator, and project your workplace plan with the 401(k) calculator.
Turning savings into income
Near retirement, the questions change from saving to spending. The annuity payout calculator shows what a lump sum could pay, the Social Security calculator compares claiming ages, and the RMD calculator shows required withdrawals.
What you can calculate
- Retirement Calculator: Project your retirement savings, the nest egg you need and how long your money will last.
- 401(k) Calculator: Project your 401(k) balance with salary growth, employer match and IRS contribution limits.
- Pension Calculator: Estimate your pension, compare it to a lump-sum offer and see its present value.
- Social Security Calculator: Estimate your Social Security retirement benefit and compare claiming at 62, full retirement age or 70.
- Annuity Calculator: Project an annuity through its accumulation phase and the payout it can provide.
- Annuity Payout Calculator: Find how much an annuity can pay, or how long a balance lasts at a given payment.
- Roth IRA Calculator: Project Roth IRA growth, check income limits and compare with a traditional IRA.
- IRA Calculator: Project traditional IRA growth, deductibility and tax savings, and compare it with a Roth.
- RMD Calculator: Calculate your required minimum distribution and project future RMDs.
Frequently asked questions
Are the contribution limits current?
The 2026 IRS limits are built in (401(k) $24,500, IRA $7,500) and can be edited in the data file.
Are results in future or today dollars?
Where an inflation field exists, results are shown in future dollars and in today dollars.
How much should I save for retirement?
Many planners suggest saving 10% to 15% of income, including employer match, starting early. The retirement calculator shows the monthly amount you need for your own goal.
When should I claim Social Security?
Claiming at 62 reduces your benefit permanently, while waiting until 70 increases it. The best age depends on your health, other income and spouse. The Social Security Calculator compares the options.
Other calculator categories
Last updated: October 15, 2026
