FREE RETIREMENT CALCULATORS
People everywhere are asking themselves, “When can I retire?” It’s a fair question, but because everyone spends money differently, it’s hard to estimate retirement savings.
We’ve gathered a variety of the best retirement calculator options so you can do your best to calculate a retirement plan that is comfortable for you and your family.
Best Overall Retirement Calculator (by Age)
| 401(k) Calculator | A 401(k) can be one of your best tools for creating a secure retirement. Use this free retirement calculator to see why this is a retirement savings plan you cannot afford to pass up. |
| Retirement Income | Use this calculator to determine how much monthly income your retirement savings may provide you in your retirement. |
Self-Employed Retirement Calculator
| Individual 401(k) Savings Calculator | Use this self-employed retirement calculator to see the benefits of an Individual 401(k) for the self-employed. |
Non-Profit Retirement Calculator
| 403(b) Savings Calculator |
If you are an employee of a non-profit tax-exempt organization, a 403(b) can be one of your best tools for creating a secure retirement.. |
Free Retirement Calculator with Social Security
| How Important is Social Security? | Use this calculator to determine how losing this important retirement asset could affect you. |
| Social Security Benefits | Use this calculator to estimate your Social Security benefits. |
Employer Retirement Contribution Calculators
| 457 Plan Contribution Effects on Your Paycheck | Use this calculator to see how increasing your contributions to a 457 plan can affect your paycheck as well as your retirement. |
| Retirement Contribution Effects on Your Paycheck | Use this calculator to see how increasing your contributions to a 401(k), 403(b) or 457 plan can affect your paycheck as well as your retirement. |
| 401(k) Savings with Profit Sharing | Use this calculator to see how a 401(k) with profit sharing plan can help you save for retirement. |
| Pension Plan Retirement Options | Use this calculator to help decide between joint survivorship and single survivorship pension options. |
| Retirement Pension Planner | Plan your retirement with a company pension, find out if you are on track - and learn how to stay there. |
| Retirement Planner with Retirement Earnings | Plan your retirement with pension and possible retirement employment income. Find out if you are on track - and learn how to stay there. |
Company Stock Distribution Calculator
| Company Stock Distribution Analysis Calculator | If you own company stock in a retirement plan you may be able to take advantage of using the long-term capital gains tax rate rather than your ordinary income tax rate on this investment. |
Withdrawal Calculators
| Retirement Plan Withdrawal | Use this free retirement calculator to see what your net withdrawal would be after taxes and penalties are taken into account. |
| 457 Plan Withdrawal | Use this calculator to see what your net 457 plan withdrawal would be after taxes are taken into account. |
| 457 Plan: Roth vs. Pre-tax | Use this calculator to help determine whether a Roth or Pre-tax 457 might be best for you. |
| 72(t) Calculator | The IRS Rule 72T allows for penalty free, early withdrawals from retirement accounts. Use this calculator to determine your allowable 72T Distribution and how it can help fund your early retirement. |
| 72(t) Distribution Impact | This free retirement calculator is designed to examine the effects of 72T distributions on your retirement plan balance. |
Requirement Minimum Distribution (RMD) Calculators
| Required Minimum Distribution (RMD) | Use this calculator to determine your Required Minimum Distributions (RMD) as an account owner of a retirement account. This financial calculator will also look at potential future year's distribution requirements. |
| Required Minimum Distribution (RMD) for Current Year | Use this calculator to determine your Required Minimum Distributions (RMD) as an account owner of a retirement account for the current year. |
| Beneficiary Required Minimum Distributions | Use this calculator to determine your Required Minimum Distributions (RMD) as a beneficiary of a retirement account. |
| RMD & Stretch IRA Calculator | Use this calculator to help determine how you can stretch out your retirement plan distributions for as long as possible. |
Roth IRA Conversion Calculators
| Roth IRA Conversion | This calculator will show the advantage, if any, of converting your traditional IRA to a Roth IRA. |
| Roth IRA Conversion with Distributions | Use this calculator to help determine how you can stretch out your retirement plan distributions for as long as possible. |
Retirement Comparison Calculators
| Individual 401(k) Contribution Comparison | Use this calculator to determine your maximum Individual 401(k) contribution as compared to three other possible plan options. |
| Roth (after-tax) Account or Pre-Tax Account? | Starting in 2006, you may have the option to contribute to Roth account. Use this calculator to help determine which retirement plan option might be best for you. |
| Roth 401(k) vs. Traditional 401(k) | Use this Roth 401(k) calculator to determine which 401(k) contribution type might be right for you. |
| Roth 403(b) vs. Traditional 403(b) | Use this calculator to determine which 403(b) contribution type might be right for you |
| Roth IRA vs. Traditional IRA | Use this calculator to determine which IRA may be right for you. |
| Roth vs. Traditional 401(k) and Your Paycheck | See how a Roth vs. Traditional 401(k) might affect your take home pay as well as your retirement savings. |
| Should you Borrow From a 401(k) or 403(b) | The majority of 401(k) plans and a growing number of 403(b) plans let you borrow money from your account. Use this calculator to help you determine if you should borrow, and the potential impact on your retirement savings. |
| Roth IRA Calculator | Use this calculator to compare the Roth IRA to an ordinary taxable investment. |
| Traditional IRA Calculator | How can contributing to a regular IRA help you in your retirement? |
Daily Choice and Contribution Calculator
| 401(k) Spend it or Save it Calculator | There are several ways to manage your 401(k) when you leave an employer. Making the wrong decision can cost you thousands of dollars both in taxes and lost earnings. |
| IRA Spend It or Save It Calculator | Spending your IRA before you retire can be a costly decision. See how taking your out IRA early could cost you thousands of dollars both in taxes and lost earnings. |
Additional Questions:
What’s the best retirement calculator?
We like this retirement planner, that quickly determines if your retirement plan is on track - and shows you how to keep it there.
How long will my retirement savings last?
Use this “How long will my IRA last?” calculator to see how long your retirement savings will last based on your retirement savings and your inflation adjusted withdrawals.
How much money should a 65-year-old have saved for retirement?
There’s no set amount that someone should have saved for retirement, but this Retirement Nestegg Calculator can help calculate a retirement plan and determine the amount you’ll need.
What if I don't have enough money to retire?
Running out of your retirement savings too soon is one of the biggest risks to a comfortable retirement. Use this calculator to find a potential shortfall in your current retirement savings plan. Or help save for your retirement by using this Retirement Account Contribution Accelerator to see how increasing your contributions can make a difference.
Learn more by scheduling a consultation with a tax professional at the 415 Group.
