Retirement calculators

401(k), Roth IRA, RMDs, Social Security break-even, and FIRE planning

401(k) CalculatorProject your 401(k) balance growth over time from current balance, contribution rate, employer match, and expected return. Free, instant.401(k) Match OptimizerCalculate the contribution % needed to capture your full employer match and show money left on table72(t) SEPP CalculatorCalculate penalty-free early-withdrawal distributions under the IRS RMD, fixed amortization, and fixed annuitization methodsAnnuity Payment CalculatorFind out how much does an annuity pay: estimate monthly retirement income from a fixed annuity based on purchase amount, rate, and payout period.Backdoor Roth IRA CalculatorCalculate backdoor and mega-backdoor Roth contributions including pro-rata rule impactCatch-Up Contribution CalculatorCalculate 2026 401(k) and IRA catch-up contribution limits including the SECURE 2.0 super catch-up for ages 60–63Coast FIRE CalculatorFind your Coast FIRE number and check whether your current savings will grow to your FIRE target without further contributionsEarly Retirement (FIRE) CalculatorFIRE calculator: find your financial independence number, target retirement age, and safe withdrawal rate to retire early on your timelineFIRE Number CalculatorCalculate your Financial Independence / Early Retirement number and years to reach it at a given savings rate and portfolio growthInherited IRA 10-Year Rule CalculatorFind required minimum distributions for an inherited IRA under the SECURE Act 10-year rule for non-spouse beneficiariesIRA CalculatorIRA calculator: compare traditional IRA vs Roth IRA growth, 2026 contribution limits, and tax deduction phaseout to maximize retirement savingsMedicare IRMAA CalculatorFind out if your income triggers a Medicare Part B or Part D IRMAA surcharge and estimate the extra premiumMega Backdoor Roth Headroom CalculatorEstimate remaining after-tax 401(k) contribution headroom for a mega backdoor Roth using the section 415(c) limit, your deferral, and your employer matchMilitary Pension vs BRS CalculatorCompare lifetime value of legacy High-3 pension vs Blended Retirement System for military retirementNUA (Net Unrealized Appreciation) CalculatorCompare the NUA strategy on employer stock to a full IRA rollover and find the tax breakevenPension vs Lump Sum CalculatorCompare present value of pension annuity vs lump-sum buyout with break-even analysisQDRO CalculatorCalculate marital portion and ex-spouse share of retirement accounts using the coverture fraction methodRetirement Needs CalculatorCalculate how much you need to retire at your target age using the 4% rule and compound interestRetirement Withdrawal CalculatorUse this 4% rule calculator to set a safe withdrawal rate and see exactly how long your money will last through retirement at any spending level.Retirement Withdrawal Order CalculatorOptimize the order of withdrawals from taxable, traditional, and Roth accounts to minimize lifetime taxRMD Calculator (Required Minimum Distribution)Calculate required minimum distributions from 401(k) and IRA under SECURE 2.0 ages 73/75Roth Conversion Ladder CalculatorPlan a multi-year Roth conversion strategy filling tax brackets without overflowRoth Conversion Ladder PlannerPlan annual Roth conversions to minimize future RMD tax and optimize tax-bracket arbitrage in retirementRoth IRA CalculatorProject tax-free Roth IRA growth over any time horizon and compare final balance to a traditional IRA after-tax equivalent. Free.Rule of 72 CalculatorQuickly calculate investment doubling time: divide 72 by your rate to see how long to double money at any interest or growth rate.Savings Rate CalculatorCalculate your savings rate from income and expenses and estimate years to financial independence using the 4% safe withdrawal rule. Free.Sequence of Returns Risk CalculatorSee how the same average return in a good-first vs bad-first order changes ending balance and depletion yearSocial Security Breakeven Age CalculatorFind the age at which waiting to claim Social Security pays off versus claiming early at 62, 67, or 70Social Security Spousal & Survivor CalculatorCalculate Social Security spousal benefits up to 50% of worker PIA and survivor benefits up to 100% with claiming-age adjustmentsSolo 401(k) Contribution CalculatorCalculate maximum Solo 401(k) and SEP-IRA contributions for self-employed and small business ownersTSP (Thrift Savings Plan) CalculatorProject TSP growth with BRS 5% match, lifecycle funds, and Roth TSP combat zone advantages

About Retirement Calculators

Retirement planning is the single highest-leverage financial decision most people make, because the math is dominated by time. A 25-year-old contributing $7,500 a year to a Roth IRA at a 7% real return ends up with a balance more than three times larger at age 65 than someone who waits until 35 to start, even though they only contributed for 10 more years. The Retirement calculator hub on AllCalculators is designed around that reality, to help you understand contribution math, tax-wrapper choices, and withdrawal sustainability before you actually need the answer. The 2026 contribution limits matter: the 401(k) employee elective deferral limit rose to $24,500 (with an additional $8,000 catch-up for ages 50+, and a special enhanced $11,250 catch-up for ages 60-63 under SECURE 2.0), and the IRA contribution limit rose to $7,500 ($8,500 with the $1,000 catch-up at 50+).

Roth IRA income limits phase out between $153,000-$168,000 for single filers and $242,000-$252,000 for joint filers in 2026. The 401(k) calculator projects balance growth with employer matching; the IRA and Roth IRA calculators compare traditional and Roth treatment side-by-side, which is the most-asked question in retirement planning. The general rule: contribute to traditional when your current marginal rate exceeds your expected retirement marginal rate, and Roth when the opposite is true, but most people end up doing some of each, which is itself a hedge against future tax-rate uncertainty. The Retirement Withdrawal calculator implements the 4% rule, originally derived from the Trinity Study and Bengen's research showing that historically a 4% initial withdrawal rate adjusted for inflation has survived 30-year retirements in the vast majority of historical periods. Recent updated work suggests 3.5-4.5% depending on starting valuations, longevity assumptions, and bond yields.

The FIRE (Financial Independence, Retire Early) calculator works backward from a target annual spend to find your FIRE number (typically 25× annual expenses for a traditional 4% withdrawal) and shows how aggressive savings rates compress the timeline dramatically (saving 50% of income brings financial independence in roughly 17 years; saving 70% in roughly 8). The Annuity calculator handles guaranteed-income products that are gaining renewed interest as longevity and sequence-of-returns risk get more attention. Rule of 72 is a quick mental-math shortcut for doubling time: divide 72 by your expected return rate to estimate years to double. None of these tools replace a CFP or fiduciary advisor, especially for Social Security claiming strategy, Roth conversion timing, qualified longevity annuity contracts, or anything involving multiple income sources in retirement.

For high-stakes retirement decisions, the cost of professional advice is small compared to the value of getting the sequencing right.

When to Use a Retirement Calculator

  • Choosing between a traditional 401(k)/IRA and a Roth based on your projected tax bracket
  • Calculating how much to contribute monthly to retire at a target age
  • Modeling sustainable withdrawal rates using the 4% rule for a 30-year retirement
  • Calculating your FIRE number and timeline based on current savings rate
  • Projecting 401(k) balance growth with employer matching over 20-40 years
  • Comparing an annuity payout against keeping the lump sum invested

Frequently Asked Questions

Should I contribute to a Roth or traditional retirement account?

The general rule: contribute to traditional when your current marginal tax rate is higher than your expected retirement rate, and Roth when it is lower. Younger workers and those in lower brackets typically benefit from Roth; high earners in their peak earning years typically benefit from traditional. Many people split contributions across both as a hedge against future tax-rate uncertainty. For a personalized answer, consult a CPA or financial planner.

What is the 4% rule and is it still safe?

The 4% rule, derived from William Bengen's 1994 research and the Trinity Study, suggests that withdrawing 4% of your starting portfolio in year one and adjusting for inflation thereafter has historically survived 30-year retirements in the vast majority of cases. More recent work (accounting for current valuations, longer lifespans, and lower bond yields) suggests a starting rate between 3.5% and 4.5% is reasonable. Sequence-of-returns risk in the early years matters more than the average return.

What are the 2026 contribution limits?

For 2026 (per IRS Notice 2025-67): 401(k) employee deferral is $24,500 with an $8,000 catch-up at age 50+ (and a special enhanced catch-up of $11,250 for ages 60-63 under SECURE 2.0). IRA contribution is $7,500 with $1,000 catch-up at 50+. Roth IRA income phase-out is $153,000-$168,000 single / $242,000-$252,000 joint. HSA contribution limit is $4,400 self-only / $8,750 family (per Rev. Proc. 2025-19). Always confirm against current IRS publications for any consequential filing.

Do I need a financial advisor for retirement planning?

For accumulation (deciding contribution amounts and account types), a calculator and disciplined savings get you most of the way. For decumulation (Social Security claiming, Roth conversion ladders, withdrawal sequencing across taxable, tax-deferred, and Roth accounts, Medicare and IRMAA brackets, estate planning), a fee-only fiduciary CFP is usually worth the cost. The complexity rises sharply once you stop earning and start drawing.

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