Planning & Projections
Retirement Planner for Two Spouses
Project the combined retirement nest egg for two working spouses with separate savings and contributions.
Open calculatorRetirement Shortfall Calculator
See whether your current savings plan will reach your retirement goal — and the gap if it falls short.
Open calculatorRetirement Planner Calculator
See whether your retirement savings are on track to fund the income you will need.
Open calculatorHow Long Will Retirement Savings Last?
Estimate how many years your retirement savings will last with inflation-adjusted withdrawals.
Open calculatorRetirement Income Calculator
See the level monthly income your retirement savings can provide over a set number of years.
Open calculator401(k), IRA & Roth
Should I Borrow From My 401(k)?
Estimate the true cost of a 401(k)/403(b) loan by comparing lost investment growth against your repayments.
Open calculator401(k) / 403(b) / 457 Calculator
Project your workplace retirement plan balance with contributions and employer match.
Open calculatorRoth vs. Traditional Calculator
Compare a Roth (after-tax) account against a Traditional (pre-tax) account at retirement.
Open calculatorRoth IRA Calculator
See the tax-free growth advantage of a Roth IRA over an ordinary taxable account.
Open calculatorRoth Conversion Calculator
Compare converting a Traditional IRA/401(k) to a Roth now against leaving it pre-tax.
Open calculatorTraditional IRA Calculator
Project the tax-deferred growth of a Traditional IRA and see its after-tax value at retirement.
Open calculatorSolo 401(k) Calculator
Project an Individual (Solo) 401(k) for the self-employed, combining employee deferrals with an employer profit-sharing contribution.
Open calculator403(b) Savings Calculator
Project a 403(b) plan for teachers and nonprofit employees, with employer match and the optional 15-year service catch-up.
Open calculator457(b) Plan Calculator
Project a governmental 457(b) deferred-compensation plan, with the optional special "final 3 years" catch-up.
Open calculatorWithdrawals & RMDs
Company Stock Distribution (NUA) Calculator
Compare the tax on a Net Unrealized Appreciation (NUA) stock distribution against rolling employer stock into an IRA.
Open calculatorInherited IRA RMD Calculator
Estimate the required minimum distribution from an inherited IRA using the IRS Single Life Expectancy Table.
Open calculatorRequired Minimum Distribution (RMD) Calculator
Estimate the minimum you must withdraw from a retirement account this year.
Open calculatorEarly Withdrawal Cost Calculator
See the real cost of withdrawing from a retirement account early — taxes, penalty and lost growth.
Open calculator72(t) SEPP Calculator
Estimate penalty-free early retirement withdrawals using 72(t) substantially equal periodic payments.
Open calculatorGross Distribution Calculator
Find the gross retirement-account withdrawal needed to net a target amount after taxes and any early-withdrawal penalty.
Open calculatorRMD - Year To Begin Calculator
Find the age and year you must begin required minimum distributions (RMDs) under the SECURE 2.0 rules.
Open calculatorPension & Social Security
Social Security Benefit Calculator
Estimate your monthly Social Security benefit from your average indexed monthly earnings and the age you claim.
Open calculatorPension vs. Lump Sum Calculator
Compare a monthly pension against taking a lump sum you invest yourself.
Open calculatorContribution Effect on Your Paycheck
See how raising your pre-tax retirement contribution changes your take-home pay.
Open calculatorHow Important Is Social Security?
See how much extra you would need to save to replace some or all of your Social Security.
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