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🇺🇸 United States / Retirement
Free US retirement calculators for 401(k), Roth IRA, Traditional IRA, Social Security, early retirement, and catch-up contributions. Updated for 2026.
10 calculators
Project your 401(k) balance at retirement based on salary, contribution rate, employer match, and expected investment returns. See how contribution changes affect your final balance.
Calculate the impact of IRS catch-up contributions after age 50 on your 401(k) and IRA balances. See how the extra contribution limit can significantly boost late-career retirement savings.
Calculate your FIRE number and find out when you can retire early based on your savings rate, current portfolio, and planned annual spending. Model different retirement ages.
Estimate your defined-benefit pension monthly payments based on years of service, final average salary, and your plan's benefit multiplier. Compare single-life vs joint-and-survivor options.
Project whether you're on track for retirement. Model portfolio growth, Social Security income, inflation, withdrawal rates, and sequence-of-returns risk for a realistic retirement picture.
Calculate your IRS-required minimum distributions from traditional IRAs, 401(k)s, and other tax-deferred accounts. Avoid the 25% penalty by knowing exactly what you must withdraw.
Calculate how Roth IRA contributions grow tax-free over time. See your projected balance at retirement and the annual tax-free income you can withdraw without RMD requirements.
Compare Roth and traditional IRA tax benefits based on your current versus expected future tax bracket. Find which account type saves you more over your full investment horizon.
Estimate your monthly Social Security retirement benefits at ages 62, 67, and 70. See the lifetime value of claiming early versus delaying based on your earnings history.
Calculate tax-deferred growth of traditional IRA contributions and project your balance at retirement. See the deduction benefit now and estimated taxes on future withdrawals.
US retirement planning revolves around three layers: Social Security (government), employer-sponsored plans (401k, 403b), and personal savings (IRA). The full retirement age for Social Security is 67 for those born after 1960, with reduced benefits available from age 62 and delayed credits up to age 70.
Employer 401(k) plans allow pre-tax contributions up to $23,000 in 2024 ($30,500 with catch-up over age 50). Many employers match contributions, typically 50–100% of the first 3–6% of salary, which amounts to free compensation. Not contributing enough to capture the full match is one of the most common retirement planning mistakes.
The 4% withdrawal rule, developed from the Trinity Study, is widely used to estimate sustainable retirement income. It suggests withdrawing no more than 4% of the portfolio in the first year, adjusted for inflation annually, gives a high probability of the portfolio lasting 30 years.
Unlike countries with mandatory national pension systems (Australia's Superannuation, UK's auto-enrolment), US retirement saving is largely voluntary. Workers who don't engage with their 401(k) may retire with only Social Security income, which averages just $1,907/month, well below a comfortable retirement income for most Americans.