Know exactly when you can retire
Free retirement calculators that run entirely in your browser — every assumption visible and editable, every year of the projection on the table, and results you can export and verify.
Live sample · 401(k), 25 years
$85k balance, $95k salary, 10% deferral, full 4% match, 7% return. Change any number and watch it move.
Twelve calculators, one engine
Accumulation, FIRE, and withdrawal — every calculator runs the same year-by-year simulation, so numbers reconcile across pages.
401(k) Calculator
Project your 401(k) balance year by year — deferral, employer match, fees, and salary growth all visible.
401(k) Withdrawal Calculator
Early 401(k) withdrawal calculator — see the 10% penalty, the income tax, and your real take-home before you touch the money.
401(k) Loan Calculator
Retirement Withdrawal Calculator
Social Security Calculator
Roth IRA Calculator
Project your Roth IRA year by year — tax-free growth, 2026 contribution limits, and a full schedule.
Retirement Calculator
The whole plan in one calculator — projected balance, retirement target, and whether you're funded.
Retirement Savings Calculator
Project your retirement savings year by year — contributions vs growth, all assumptions editable.
Pension Calculator
Estimate your defined-benefit pension — final salary × multiplier × years of service, annual and monthly.
FIRE Calculator
Your FIRE number, the year you hit it, and how much of the final balance is growth — not contributions.
Coast FIRE Calculator
Is your current savings already enough to grow into your FIRE number — with zero further contributions?
FERS Pension Calculator
Estimate your FERS basic annuity: high-3 salary × multiplier × years of service, with the 1.1% rule applied.
Why results here make sense
See every assumption
Return, fees, inflation, match rules — each one listed with its source, each one editable. No black box.
Audit every year
Year-by-year tables, not single numbers. Download CSV, print, or copy a link that reproduces your exact inputs.
Stress-test three ways
Conservative, base, and optimistic scenarios on every projection, so you plan on a range — not a promise.
Guides that show the math
Worked examples with visible numbers, computed by the same engine as the calculators.