Calculators
Retirement
Nest eggs, workplace plans, pensions, IRAs, and required withdrawals. Each calculator computes from the numbers you enter. Press Calculate on the page.
How to use the Retirement calculators
Nest eggs, workplace plans, pensions, IRAs, and required withdrawals.
There are 11 calculators in Retirement. Each one has its own fields and its own formula. They are listed on this page so you can pick the question you actually have. Open the tool, replace the example, and press Calculate. The result stays in the browser.
Do not treat this index as a single worksheet. A payment, a payoff date, and a tax estimate answer different questions. Adding the headlines together mixes kinds of dollars. Read one result, then open the next tool if the question changed.
What each calculator is for
Retirement Calculator — Project a retirement balance and compare it with the nest egg a spending plan would need. The form includes Current age, Retirement age, Saved so far, Monthly contribution. Savings at retirement, next to the nest egg spending implies.
401(k) Calculator — Project a 401(k) with your contribution, an employer match, and the 2026 deferral limit. The form includes Annual salary, You contribute, Match on contributions, Match applies up to. Your deferral, the match, and the 2026 cap.
Pension Calculator — Estimate a pension from final pay, a multiplier, and years of service, then grow it with a COLA. The form includes Final average salary, Multiplier per year of service, Years of service, Annual COLA after retirement. Final pay × multiplier × years of service.
Social Security Calculator — Adjust a full retirement benefit for claiming between 62 and 70 when full retirement age is 67. The form includes Monthly benefit at full retirement age, Age you claim. The same benefit, claimed earlier or later.
Annuity Calculator — Find the future value of a series of equal contributions compounded over time. The form includes Starting balance, Payment each period, Payments per year, Annual return. Equal payments, compounded forward.
Annuity Payout Calculator — Turn a nest egg into a fixed payment that lasts a set number of years. The form includes Starting amount, Annual return while paying out, Years of payments, Payments per year. A pot that is scheduled to reach zero.
The rest of this set
Roth IRA Calculator — Project a Roth IRA using the 2026 contribution limit and optional age-50 catch-up. The form includes Current balance, Annual contribution, Age 50 catch-up, Annual return. After-tax contributions, tax-free qualified growth.
Traditional IRA Calculator — Project a traditional IRA and illustrate a deductible contribution against tax on withdrawal. The form includes Current balance, Annual contribution, Age 50 catch-up, Contribution is deductible. A deduction now, tax later, growth in between.
RMD Calculator — Divide a retirement balance by the IRS Uniform Lifetime Table factor for your age. The form includes Age at year-end, Balance on December 31 of last year. Balance divided by the life-expectancy factor.
FIRE Calculator — Turn annual spending and a withdrawal rate into a financial-independence target, then project savings toward it. The form includes Annual spending, Withdrawal rate, Invested now, Monthly investment. The portfolio that covers spending at your withdrawal rate.
HSA Calculator — Project an HSA using the 2026 self-only or family limit and the age-55 catch-up. The form includes Coverage, Age 55 catch-up, Annual contribution, Current balance. 2026 limits, then long-term growth.
What this category will not do
Retirement pages on this desk are educational. They do not apply for a loan, file a return, or move money. Where a 2026 public figure is used, the methodology names the limit and the page says what it leaves out.
If a result looks wrong, check the field that does not match your paperwork before you blame the formula. A payment that includes tax and insurance will not match a quote that is principal and interest only. A contribution above a legal limit will still compound on this desk if you type it, which is why the retirement pages tell you to type only what you are allowed to add.
A session on this page
Pick one question in Retirement and open only that calculator. Retirement, 401(k), Pension, Social Security, Annuity, Annuity Payout, Roth IRA, Traditional IRA, RMD, FIRE, HSA are the choices. Read the blurb under the name. If the blurb is not your question, go back and choose again. Running three tools “just in case” produces three headlines that were never meant to be added.
On the tool you chose, leave the example long enough to press Calculate once. You are checking that a result appears and that the labels match the story in the heading. Then replace every field. Nest eggs, workplace plans, pensions, IRAs, and required withdrawals. The example numbers on each form are there so the formula can be demonstrated. They are not a suggestion that your price, payment, or income should look like the default.
Write down the headline and the two lines under it that you might quote later. If you cannot say which input produced them, you are not ready to use them. Change the input you are least sure about and press Calculate a second time. The size of the move tells you whether to go find a better source for that input before you decide.
After you press Calculate
Retirement stays inside finance math. It does not collect an application and it does not rank products. When the result is an estimate of tax, a retirement limit, or a payment a lender could quote differently, the page says so. The disclaimer and the methodology apply to every link on this index, including Retirement Calculator and HSA Calculator.
In one line each, the set is: Retirement Calculator (Savings at retirement, next to the nest egg spending implies.); 401(k) Calculator (Your deferral, the match, and the 2026 cap.); Pension Calculator (Final pay × multiplier × years of service.); Social Security Calculator (The same benefit, claimed earlier or later.); Annuity Calculator (Equal payments, compounded forward.); Annuity Payout Calculator (A pot that is scheduled to reach zero.); Roth IRA Calculator (After-tax contributions, tax-free qualified growth.); Traditional IRA Calculator (A deduction now, tax later, growth in between.); RMD Calculator (Balance divided by the life-expectancy factor.); FIRE Calculator (The portfolio that covers spending at your withdrawal rate.); HSA Calculator (2026 limits, then long-term growth.). Open the one whose line matches the paper in front of you.
FAQs
How many Retirement calculators are on this page?
11. Retirement, 401(k), Pension are among them. Each link opens a form with its own Calculate button.
Do these tools share one formula?
No. Nest eggs, workplace plans, pensions, IRAs, and required withdrawals. The shared part is the way you use them: type the figures, press Calculate, and read the lines under the headline.
Will the page save what I type?
No. The calculation runs in your browser. Closing the page clears it. Do not type account numbers into a balance field.
Which result should I trust if two calculators disagree?
Check that they were asked the same question. Different fields produce different headlines on purpose. Match the labels to the document in front of you, then trust the page whose inputs you actually filled.
Is this financial, tax, or legal advice?
No. The figures are estimates from the inputs and the formula on each page. A lender, a custodian, or a filing form can apply a rule this index does not see.