MoneyCalc
6 free calculators

Free Retirement Calculators 2026

Plan your retirement with 401(k), IRA, nest egg, annuity, and RMD calculators.

Browse CalculatorsHow to Use

All Retirement Calculators

6 calculators

Savings Withdrawal Calculator

Estimate how long savings could last with regular monthly withdrawals. Explore positive, zero and negative constant-return assumptions.

  • How long will my savings last with monthly withdrawals?
  • Worked example and formula
  • Adjustable scenario presets
Compare scenariosUse Calculator
Retirement Savings Calculator
Popular

Project your retirement balance and estimate monthly income from current age to retirement.

  • Projected retirement balance
  • Monthly retirement income
  • Growth chart by age
  • Before and after retirement returns
$1.2M at 65Use Calculator
401(k) Growth & Employer Match Calculator
Popular

Estimate 401(k) growth, employer matching contributions and current tax savings. Explore constant-return scenarios; contribution limits are not enforced.

  • Traditional workplace retirement projection
  • Employer match calculation
  • Contribution and employer-match estimates
  • Estimated current income-tax savings
$980,000 projectedUse Calculator
Nest Egg Calculator
Popular

Calculate how large a nest egg you need to sustain your desired retirement income.

  • Required nest egg calculation
  • Drawdown balance chart
  • Inflation adjustment
  • Social Security income offset
$825,000 neededUse Calculator
Annuity Calculator

Calculate present and future value of ordinary annuity or annuity due with period-by-period tables.

  • Ordinary annuity and annuity due
  • Present and future value
  • Period-by-period payment table
  • Rate and period flexibility
PV: $43,294Use Calculator
RMD Estimator

Estimate your Required Minimum Distribution and see a 10-year projection using IRS Uniform Lifetime tables.

  • IRS Uniform Lifetime table lookup
  • 10-year RMD projection
  • Federal tax estimate
  • Joint Life table option
$18,868 RMDUse Calculator

Retirement Guides

How Much Do You Need to Retire?

The 4% rule suggests you need 25× your annual expenses saved to retire safely. Learn how to calculate your personal retirement number.

6 min read

401k vs. Roth IRA: Which Should You Choose?

Traditional accounts offer tax deductions now; Roth accounts offer tax-free withdrawals in retirement. The right choice depends on your current vs. expected future tax rate.

7 min read

Understanding Required Minimum Distributions

The IRS requires withdrawals from tax-deferred accounts starting at age 73. Learn how RMDs are calculated and how to minimize their tax impact.

5 min read

Social Security: When to Start Benefits

Claiming Social Security at 62 reduces your benefit permanently. Waiting until 70 maximizes your monthly check. The break-even age is typically around 80.

6 min read

Compare Retirement Calculators

NameBest ForComplexityKey Feature
Retirement SavingsGeneral retirement balance projectionSimpleAge-to-retirement growth chart
401k / IRATax-advantaged account planningModerateEmployer match + IRS limit warning
Nest EggCalculating retirement income neededAdvancedDrawdown chart
RMD EstimatorRequired withdrawal planning at 73+Moderate10-year RMD projection

Frequently Asked Questions

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Free tools with explained assumptions

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MoneyCalc calculators run entirely in your browser. Some tools save settings locally on your device.

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Transparent Estimates

Read the formula, assumptions and model limitations alongside each calculator.

Works on Any Device

Optimized for mobile, tablet, and desktop. Calculate on the go from any browser.

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