Retirement Calculators
Whether the balance gets there, what the match is worth, and how the account type changes the answer.
In this section
10 calculators- 401(k) calculatorA 401k calculator for 2026: your balance at retirement from your contributions, the employer match and growth, with the 2026 limits and catch-ups applied year by year.Calculate
- Annuity payout calculatorSee how much a month a lump sum pays over a set number of years or over the IRS life expectancy at your age, with the balance left each year.Calculate
- Retirement calculatorA retirement calculator projecting your balance from what you have saved and contribute, then the after-tax monthly income it supports and how much is growth.Calculate
- RMD calculatorRMD calculator for 2026: the year your required minimum distributions start (73 or 75 under SECURE 2.0), the IRS divisor and how much to withdraw.Calculate
- Roth IRA calculatorA Roth IRA calculator for 2026: your tax-free balance at retirement, with the contribution limit, the age-50 catch-up and the income phase-out applied each year.Calculate
- Traditional IRA calculatorA traditional IRA calculator for 2026: how much you can deduct with a plan at work, the federal tax it saves, and tax-deferred growth against a taxable account.Calculate
- 401(k) loan vs. withdrawalShould you take a 401(k) loan or an early withdrawal? See what each leaves you after tax and penalty, and the lost employer match that would flip the answer.Compare
- 401(k) match vs. debtTake the 401(k) match or pay off debt first? Compared in take-home dollars over the same horizon, with the pre-tax contribution and withdrawal tax both modelled.Compare
- Pension lump sum vs annuityPension lump sum or monthly payments? See the return the lump sum must earn to match the pension until the age you plan for, and the age it runs out at your return.Compare
- Social Security claiming ageWhen should you claim Social Security: 62, 67 or 70? See the age at which waiting pays more, with or without investing the early checks, from your benefit at 67.Compare
Am I saving enough to retire?
You are on track if the income your savings can support covers what you expect to spend. The retirement calculator projects your balance from what you have saved and what you add, then turns it into an after-tax monthly income you can set against your budget. If most of your saving goes through work, the 401(k) calculator adds the employer match and applies the yearly contribution limits and catch-ups.
Does the account type change the answer?
Yes, because it decides when you pay tax. A traditional 401(k) takes contributions before tax and taxes the withdrawals. A Roth IRA takes money you have already paid tax on, and qualified withdrawals come out tax-free. The Roth calculator applies the contribution limit, the catch-up and the income phase-out each year.
If you also carry expensive debt, the match vs debt calculator compares taking the employer match against paying the debt down first, in take-home dollars.
Every calculator on FinCalculate shows the formula it used, states what it assumes and links the sources behind it. How these are built.