Retirement Calculator
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Project retirement savings growth over time.
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Finance topic guide
Retirement calculators
Estimate retirement savings, 401(k) growth, and Roth IRA projections with free browser-based retirement calculators.
3 free tools in this guide — pick one below to get started.
Tools in this guide(3)
Open a tool to calculate, convert, or edit — no signup required.
Overview
Retirement calculators translate contribution rate, years to retire, and expected return into projected balances. They are useful for sanity-checking whether you are on track before meeting with a financial planner.
Retirement Calculator provides a broad projection from inputs you control. 401(k) Calculator models employer-plan style contributions. Roth IRA Calculator focuses on after-tax contribution limits and tax-free growth assumptions you enter.
Market returns are uncertain and these tools use simplified compounding. They do not know your employer match rules, catch-up limits, or tax bracket changes. Use them to compare contribution scenarios, not as guaranteed forecasts.
How to choose
- General retirement projection → Retirement Calculator.
- Employer 401(k) planning → 401(k) Calculator.
- Roth IRA scenario → Roth IRA Calculator.
Frequently asked questions
What return rate should I use?
Many people test conservative, moderate, and optimistic rates. The right assumption depends on your allocation and time horizon.
Do these include Social Security?
Only if the specific tool exposes a Social Security field. Check each calculator’s inputs.
Are results guaranteed?
No. They are illustrative projections based on the numbers you enter.
Step-by-step workflows (12)
Multi-step guides that chain tools from this topic—follow numbered steps instead of guessing tool order.
- Build a personal finance planEstimate income, set a budget, plan debt payoff, fund emergencies, and project retirement.6 steps
- Plan credit card payoffCompare payoff timelines, snowball vs avalanche order, and how extra payments change interest.4 steps
- Plan a loan or major purchaseEstimate EMI, compare mortgage scenarios, and run quick percentage math before you borrow.4 steps
- Refinance or buy vs rentEstimate affordability, compare renting to buying, and model refinance savings.3 steps
- Buy a car with confidenceEstimate auto loan payments, compare offers, and check the payment against your budget.3 steps
- Split a restaurant billCalculate tip on the total, then split the check evenly among your table.2 steps
- Send a client invoiceDraft an invoice, assign a reference number, and add sales tax to the total.3 steps
- Track weight metricsEstimate BMI and percent change for wellness screening—not medical advice.2 steps
- Estimate take-home pay and budgetConvert salary or hourly pay to take-home estimates, then build a simple budget.4 steps
- Plan a mortgage payment scheduleCheck affordability, estimate payment, view amortization, then model extra payments.4 steps
- Check retirement contribution readinessModel 401(k) and Roth growth, confirm limits, compare account types, then project retirement needs.5 steps
- Compare contractor vs W-2 payWeigh contractor vs employee offers, estimate paychecks and tax drag, then size an emergency fund.4 steps