How much do I need to retire?

A common rule of thumb is 25 times your desired annual retirement spending. Use the Retirement Calculator for a personalized estimate based on your age, income, and goals.

Should I contribute to a 401(k) or Roth IRA?

If your employer offers a match, contribute enough to the 401(k) to get the full match first. Then consider maxing out a Roth IRA for tax-free growth.

How does inflation affect retirement planning?

At 3% inflation, prices double roughly every 24 years. A retirement 30 years away needs significantly more savings than today's dollars suggest.

Retirement Calculators — Free Online Tools (2026)

Plan for a comfortable retirement with confidence. These calculators help you project savings growth, optimize your contributions across different account types, and ensure your money lasts through retirement.

All Calculators

Compound Interest Calculator — Free Online Financial Tool

Calculate compound interest with monthly contributions using our free calculator. See how your investments grow over time with detailed projections.

Savings Calculator — Free Online Tool

Calculate how your savings grow over time with regular deposits and compound interest.

Inflation Calculator — Purchasing Power Over Time

Calculate how inflation erodes purchasing power over time and find the adjusted value of money across years.

Retirement Calculator — Free Online Tool

Calculate how much you need to save for retirement and estimate your retirement income.

401k Calculator — Free Online Tool

Calculate your 401k retirement balance with employer matching and compound growth projections.

Roth IRA Calculator — Free Online Tool

Calculate your Roth IRA growth with annual contributions and tax-free compound returns.

How to Use These Tools Together

1
Estimate how much you need to save for retirement based on your desired lifestyle and retirement age.
2
Calculate how your 401(k) contributions and employer match will grow over time.
3
Project your Roth IRA growth and understand the tax-free withdrawal benefits.
4
Model different savings scenarios to see how contribution amounts and rates affect your final balance.
5
Adjust your retirement target for inflation to ensure your savings maintain purchasing power.

Key Terms Glossary

401(k): An employer-sponsored retirement savings plan that allows pre-tax contributions and often includes employer matching.
Roth IRA: An individual retirement account funded with after-tax dollars, offering tax-free growth and withdrawals in retirement.
Employer Match: The amount your employer contributes to your retirement account, typically matching a percentage of your own contributions.
Required Minimum Distribution: The minimum amount you must withdraw annually from certain retirement accounts after reaching age 73.
Compound Growth: Investment growth where returns are reinvested and generate their own returns, accelerating wealth accumulation over time.
Safe Withdrawal Rate: The percentage of your portfolio you can withdraw annually in retirement without running out of money, commonly cited as 4%.

Frequently Asked Questions

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