Retirement, Investing and Benefits Calculators
Retirement and investing numbers help you connect what you save today with the income and choices you may have later. They can show whether your savings pace fits your retirement date, how a contribution change could affect an account, or how different benefit choices compare.
Start with the decision in front of you. Then use a calculator to test assumptions before you change a contribution, claim a benefit, buy an annuity or adjust your plan.
- Infinite bankingCheck the math on becoming your own bank before you buy a policy or borrow from one.
- RetirementFind out whether you're on track to retire when you want.
- 401(k)Project your 401(k) balance with your employer's match.
- TSPProject your TSP balance with the FERS agency match.
- Roth IRASee how much you can put in a Roth IRA for 2026 and what it could grow to.
- Traditional IRACompare a traditional IRA with a Roth for your tax rates.
- Roth conversionCompare converting to a Roth with leaving money in a traditional account.
- RMDFind your required minimum distribution for the year.
- Social SecurityEstimate your Social Security benefit at each claiming age.
- SS break-evenCompare two claiming ages and find the break-even age.
- AnnuityEstimate annuity income or growth.
- Investment growthSee what regular investing could grow to.
- Savings goalFind the monthly saving needed to hit a goal by a date.
- CDCalculate CD interest and maturity value.
- APYConvert a stated rate into APY.
- Future valueFind what money today plus regular deposits will be worth.
- Present valueFind today's value of a future amount.
- CAGRFind the steady yearly growth rate between two values.
- DividendsProject dividend income with reinvestment and growth.
- FIREFind your FIRE number and how long until you get there.
- Retirement withdrawalSee how long savings last at a given withdrawal.
- FERS pensionEstimate your FERS basic annuity.
- Pension lump sumCompare a lump-sum buyout with your monthly pension.
- 529 college savingsPlan college savings in a 529.
- Net worthAdd up what you own and what you owe.
- Life insuranceEstimate how much life insurance your family would need.
- BudgetSplit your take-home pay with the 50/30/20 rule.
- Stock profitCalculate profit or loss on a stock trade.
- VA disabilityCombine VA ratings the way the VA does and see your 2026 payment.
- Compound interestSee how a starting balance and monthly deposits grow with compound interest.
Which retirement calculator should you use?
If you want to know whether your savings can support your target retirement date, start with Retirement. Use Retirement withdrawal to test how long savings might last at a planned withdrawal, and FIRE to estimate a target and timeline. If you are deciding how much to save from each paycheck, 401(k) projects your balance with an employer match; TSP does the same with the FERS agency match.
For 2026, the 401(k) contribution limit is $24,500, with catch-up limits of $8,000 for people 50 and older and $11,250 for ages 60–63. Roth IRA shows the 2026 contribution limit of $7,500 and income phase-out range; Traditional IRA and Roth conversion help compare account and tax scenarios. Use RMD to estimate a required distribution, then confirm the applicable rules with a qualified professional.
How can you compare Social Security and pension choices?
Social Security estimates benefits at different claiming ages. SS break-even compares two claiming ages so you can see when the cumulative benefit from one choice catches up with the other. Use the results to frame a household income plan, not as a guarantee of what you will receive.
FERS pension estimates a basic annuity, while Pension lump sum compares a buyout with monthly pension payments. Annuity can estimate income or growth. These tools can help you prepare questions about survivor income, cash needs and retirement timing. Confirm pension, retirement and insurance decisions with a qualified professional.
Which investing and savings calculators help with a goal?
Use Savings goal to find the monthly amount needed to reach a target by a date. Investment growth and Compound interest show how starting money, deposits and growth assumptions may build over time. Future value estimates what a balance plus deposits could become; Present value works backward from a future amount. CAGR finds the steady yearly growth rate between two values.
For cash choices, CD calculates interest and maturity value, while APY converts a stated rate into an annual yield. Dividends projects income with reinvestment and growth. Use Stock profit to check a trade’s gain or loss. These estimates can help you compare saving, investing or keeping funds available; results depend on the inputs you choose.
Questions
Can these calculators predict my retirement income?
No. They estimate outcomes from the information and assumptions you enter. Actual returns, benefits, taxes and expenses can differ, so use the results to compare scenarios and confirm important decisions with a qualified professional.
Which calculator should I use to plan for family or household finances?
Net worth adds up assets and debts, Budget divides take-home pay using the 50/30/20 rule, 529 college savings helps plan education savings, and Life insurance estimates a family coverage need. For insurance decisions, confirm your assumptions with a qualified professional.
Can I use these calculators for government benefits?
Yes. Social Security and VA disability estimate benefit amounts, and FERS pension estimates a federal basic annuity. For VA disability, the listed 2026 payment for a 100% veteran alone is $3,938.58 a month. Your circumstances can affect the amount; confirm details with the relevant agency or a qualified professional.
Before you act. These calculators and guides are educational estimates, not professional advice. Review any decision with a fiduciary financial planner and, for tax questions, a CPA who can look at your full situation.