FREE ONLINE RETIREMENT CALCULATORS
Plan your retirement savings, pension income, 401K growth, IRA contributions, annuity income, and future retirement goals with simple online calculators.
Grow a Retirement Nest Egg With the Power of Math
Retirement may feel far away, but the math rewards those who start early. The free retirement calculators above help you estimate how much to save, how your 401(k) could grow, what annuity income might look like, and how compound interest turns small regular contributions into serious long-term wealth.
The power of compound interest
Compound interest means you earn returns on your returns. A lump sum grows according to:
A = P(1 + r/n)nt
Here A is the final amount, P is the principal, r is the annual interest rate, n is the number of compounding periods per year, and t is the number of years. With regular monthly contributions, every deposit compounds for its remaining time — which is why starting ten years earlier can matter more than doubling your monthly contribution later. Try the Compound Interest Calculator to compare scenarios side by side.
How much do you need to retire?
A popular starting point is the 25x rule: save roughly 25 times your expected annual retirement spending. It comes from the 4% rule, which suggests that withdrawing about 4% of your portfolio in the first year of retirement (and adjusting for inflation afterward) gives your savings a strong chance of lasting 30 years. The Retirement Calculator and 401K Calculator translate your current savings, contributions, and expected returns into a projected nest egg so you can see where you stand.
Do not leave free money behind
If your employer matches 401(k) contributions — for example, 50% of the first 6% you contribute — contribute at least enough to capture the full match. It is an instant, guaranteed return that no investment can reliably beat. The Annuity Calculator can then show how a lump sum converts into predictable monthly income for life.
Mind inflation and fees
A 7% average market return with 3% inflation is only about 4% in real purchasing power, and a 1% annual fee quietly consumes a large share of gains over several decades. Use the APY and Investment calculators to compare nominal versus effective growth before you commit.
Retirement Calculator FAQs
How much should I save for retirement?
A common rule of thumb is to save 15% of your gross income (including any employer match) and aim for about 25 times your expected annual retirement spending. Enter your numbers in the Retirement Calculator above for a personalized projection.
What is compound interest and why does it matter?
Compound interest is earning returns on both your original money and previously earned returns, described by A = P(1 + r/n)nt. Over decades, compounding does most of the heavy lifting — which is why starting early beats saving more later. Try the Compound Interest Calculator to see it in action.
What is the 4% rule?
The 4% rule suggests withdrawing 4% of your retirement portfolio in year one, then adjusting for inflation each year after, giving savings a strong chance of lasting 30 years. It implies a target of roughly 25 times your annual spending. Use the 401K and Annuity calculators to model your income sources.