Retirement Calculators
Free retirement calculators: 401(k) limits and catch-up rules, employer matching, Roth vs traditional choices, IRA limits, RMDs, and how long your savings will last — all updated with 2026 IRS figures.
401(k) Catch-Up Contribution Calculator
If you are 50 or older, the IRS lets you save extra in your 401(k) beyond the regular limit. This calculator shows your 2026 limits and how much room you still have for the year.
Roth IRA Conversion Tax Calculator
Converting a traditional IRA to a Roth means paying income tax on the amount converted today, in exchange for tax-free withdrawals later. This calculator estimates the federal tax cost of your conversion using the 2026 tax brackets.
Solo 401(k) Contribution Calculator
A solo 401(k) lets self-employed people contribute as both employee and employer — often saving far more than a SEP IRA. This calculator finds your 2026 maximum based on your net profit.
IRA Contribution Limit Calculator
The 2026 IRA limit is $7,500 ($8,600 at 50+), but your income can reduce or eliminate Roth IRA eligibility. This calculator checks both the limit and the phase-out ranges.
Required Minimum Distribution Calculator
Once you turn 73, the IRS requires a minimum annual withdrawal from pre-tax retirement accounts. This calculator finds your RMD using the IRS Uniform Lifetime Table.
Retirement Withdrawal Calculator
The central retirement question: how much can you safely take out each year? This calculator shows how long your savings last at your withdrawal rate — and how the classic 4% rule holds up.
Roth vs Traditional 401(k) Calculator
The only real difference between a Roth and traditional 401(k) is when you pay tax: now (Roth) or in retirement (traditional). This calculator compares the after-tax outcome at your tax rates.
401(k) Employer Match Calculator
Your employer match is free money — the most valuable return you will ever get. This calculator shows what your company adds at your current contribution rate and what you leave unclaimed if you contribute too little.
Roth IRA vs Traditional IRA Calculator
Both IRAs hold the same $7,500 (2026) limit — the difference is when you pay tax. This calculator compares the after-tax outcome at your current and future tax rates.
IRA Deduction Phase-Out Calculator
Your traditional IRA contribution is only fully deductible below certain income levels. This calculator applies the 2026 phase-out ranges to show exactly what you can deduct.
401(k) Loan Calculator
Borrowing from your 401(k) is cheap and doesn't hit your credit — but it pauses the growth of that money. This calculator shows the payment and what the loan really costs.
Social Security Break-Even Age Calculator
Claim Social Security early and you collect longer but smaller. Claim late and you wait, then collect more. This calculator finds the age where the two paths cross — your break-even point.
Retirement Number Calculator (4% Rule)
The classic retirement question is 'how much do I need?' The 4% rule turns it into a simple number: about 25 times your annual spending. This calculator shows yours and how far your savings are from it.
Roth IRA Eligibility Calculator (2026)
Roth IRA contributions phase out at higher incomes — and the 2026 thresholds changed. Enter your MAGI and filing status to see exactly how much you can contribute.
Disclaimer: Results are estimates for general information only and do not constitute financial, tax, or legal advice. Figures reflect 2026 rules and may change. Official figures: IRS.gov.