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Retirement Calculators
Project your retirement savings, model 401(k) growth, and see the power of starting early.
Choose a Calculator
All retirement tools are free and require no account.
Retirement Calculator
Project your retirement balance and monthly withdrawal based on your savings, contributions, and expected return. See if you’re on track.
401(k) Calculator
Model your 401(k) growth with employer match, 2026 IRS limits, and year-by-year compound returns. See what your retirement account could be worth.
Compound Interest Calculator
See how any investment grows over time with compound interest. Model different rates, contribution amounts, and time horizons.
Why Retirement Planning Matters Now
The single most powerful factor in retirement savings isn’t how much you earn — it’s how early you start. A 25-year-old who invests $300/month will accumulate more by retirement than a 35-year-old who invests $600/month, thanks to compound interest working over an extra decade. Every year you delay is significantly more expensive than it appears.
The 2026 IRS contribution limits give you substantial tax-advantaged space: $23,500 in your 401(k) plus $7,000 in an IRA ($31,000 + $8,000 if you’re 50 or older). If your employer offers a 401(k) match, always contribute at least enough to capture the full match — it’s an immediate 50–100% return on those dollars, unmatched by any investment on earth.