Retirement Calculators
9 free retirement tools
Two questions matter: how much you need, and how long it lasts.
Retirement planning splits into an accumulation problem and a decumulation problem, and they need different maths. These calculators cover both — projecting contributions and employer matches on the way in, and modelling withdrawal rates, required minimum distributions and portfolio longevity on the way out.
Retirement Calculator
Project your retirement savings and whether they'll last through retirement.
Open calculator401(k) Calculator
Project your 401(k) balance at retirement, including employer match growth.
Open calculatorRoth IRA Calculator
Project tax-free Roth IRA growth and compare it to a taxable account.
Open calculatorRMD Calculator
Calculate your required minimum distribution from retirement accounts.
Open calculatorPension vs. Lump Sum Calculator
Compare a lifetime pension to a one-time lump sum payout.
Open calculatorFIRE Calculator
Find your financial-independence number and the age you could retire early.
Open calculatorSavings Withdrawal Calculator
See how long your savings will last with regular monthly withdrawals.
Open calculatorCoast FIRE Calculator
Find the amount that, left to grow, funds your retirement with no more saving.
Open calculatorBarista FIRE Calculator
See how part-time income shrinks your FIRE number and pulls retirement closer.
Open calculator
The employer match is the highest guaranteed return available
A typical match of 50% on the first 6% of salary is an immediate 50% return on that money, before any investment growth. No other part of a retirement plan offers anything close. Contributing at least enough to capture the full match is, for almost everyone, the first move — ahead of extra mortgage payments, and usually ahead of clearing low-rate debt.
Withdrawal rate decides how long the money lasts
The well-known 4% guideline came from historical US data and assumes a roughly 30-year horizon and a particular asset mix. It is a useful anchor, not a law. Retiring earlier, holding more cash, or facing poor returns in the first few years all change the answer materially — which is why modelling your own numbers beats applying a rule of thumb.
Frequently Asked Questions
How much do I need to retire?+
A common starting point is 25 times your annual spending, which corresponds to a 4% withdrawal rate. Adjust for a longer retirement, other income such as Social Security or a pension, and how much variability you can tolerate.
Roth or traditional?+
Traditional deducts now and taxes withdrawals; Roth taxes now and is free later. The deciding factor is whether your tax rate in retirement will be higher or lower than today's — Roth generally favours those early in their careers, traditional favours peak earners.
What is an RMD?+
A required minimum distribution — the amount the IRS obliges you to withdraw each year from most tax-deferred accounts once you reach the qualifying age. Missing one carries a substantial penalty.