20 new planning tools

Retirement & Wealth Calculators

Plan for financial independence, retirement income, pensions, Social Security, annuities, college costs, and long-term wealth.

These calculators provide general educational estimates. Financial markets, taxes, benefit rules, and retirement regulations can change. Verify major decisions using current official information or a qualified professional.

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Net Worth Growth Forecast Calculator

Project future net worth from current assets, liabilities, annual savings, growth, and debt reduction.

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FIRE Calculator

Estimate the portfolio target and time needed to reach financial independence.

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Coast FIRE Calculator

Estimate whether current retirement savings can grow to a future target without additional contributions.

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Barista FIRE Calculator

Estimate the investment portfolio needed when part-time income covers part of annual expenses.

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Safe Withdrawal Rate Calculator

Estimate annual and monthly withdrawals from a portfolio using a chosen withdrawal rate.

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Retirement Income Gap Calculator

Compare desired retirement income with expected Social Security, pension, and other income.

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401(k) Employer Match Calculator

Estimate employee contributions, employer match, and total annual retirement contributions.

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Roth vs. Traditional IRA Calculator

Compare simplified after-tax future values of Roth and Traditional IRA contributions.

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Roth Conversion Calculator

Estimate taxes due on a Roth conversion and the future after-tax comparison.

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Pension Lump Sum vs. Annuity Calculator

Compare a pension lump sum with the present value of lifetime monthly payments.

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Social Security Break-Even Calculator

Estimate the age when delaying Social Security may produce more cumulative benefits.

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529 College Savings Calculator

Project a 529 college-savings balance from current savings and monthly contributions.

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College Cost Projection Calculator

Estimate future college costs after tuition inflation.

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Annuity Payout Calculator

Estimate a level monthly payout from a fixed principal over a chosen period.

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Annuity Present Value Calculator

Calculate the present value of equal future payments.

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Inflation-Adjusted Return Calculator

Convert a nominal investment return into an inflation-adjusted real return.

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Real Rate of Return Calculator

Calculate real return after inflation and estimated taxes.

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Portfolio Withdrawal Calculator

Estimate how long a portfolio may last with regular withdrawals and investment growth.

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Financial Independence Date Calculator

Estimate the calendar year when investments may reach a financial-independence target.

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Lifetime Wealth Projection Calculator

Project long-term wealth from savings, returns, major withdrawals, and years invested.