Retirement & investing · 21 calculators
Retirement and investing calculators
Project decades — match contributions, Roth breakeven, RMDs, Coast FIRE, doubling time, safe withdrawal rate, social security claim age, mega backdoor Roth capacity.
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The 6 most-used in retirement & investing
All retirement & investing calculators
15 more in this category
Retirement savings gap calculator
Project your nest egg at retirement age vs what you need — see the monthly gap.
Dividend reinvestment growth
Compound a dividend-paying portfolio with reinvestment over N years — income vs total return.
Tax-loss harvesting benefit
After-tax benefit of harvesting a paper loss — federal, state, and $3,000 ordinary-income offset.
Rule of 72 / doubling time
Quickly estimate how long it takes for an investment to double — Rule of 72 vs exact.
Coast FIRE age calculator
The age at which today's portfolio can coast to your number with no further contributions.
Early retirement withdrawal penalty
10% penalty + federal + state tax — net you'd actually get withdrawing early from a 401(k) or traditional IRA.
Social Security spousal claiming strategy
Compare lifetime benefits of three Social Security claiming strategies — both file at 62, both wait until FRA (67), or both delay to 70.
72(t) SEPP withdrawal calculator
Project Substantially Equal Periodic Payment (SEPP) withdrawals from an IRA before age 59½ using the IRS amortization method.
Mega backdoor Roth capacity calculator
Compute how much you can move into Roth via the mega backdoor in your 401(k) — based on your salary, employer contributions, and the IRC 415(c) annual additions limit.
Pension: lump sum vs annuity decision
Decide between a pension lump sum vs lifetime monthly annuity by comparing the present value of the annuity stream against the lump sum offer.
NUA (Net Unrealized Appreciation) calculator
Compare the tax savings of NUA treatment on company stock in a 401(k) vs rolling everything into an IRA and selling normally.
Retirement abroad cost calculator
Project the all-in cost of retiring abroad — cost of living vs US, healthcare, visa fees, plane tickets home, and tax implications.
I-Bond purchase strategy
Project Series I Savings Bond returns including current fixed + inflation rates, $10k/year individual cap, gift-box strategies, and 5-year early-redemption penalty.
QCD (Qualified Charitable Distribution) tax savings
Compute tax savings from a Qualified Charitable Distribution from your IRA at age 70½+ vs claiming a charitable deduction normally.
Compound interest with monthly contributions
Future value of a starting balance plus recurring monthly contributions at a configurable APY — the single calc that motivates most early retirement plans.
FAQ
retirement & investing questions, answered
Q1.When does Roth beat traditional?
When your retirement marginal rate is higher than your contribution-year marginal rate. The breakeven calculator runs both sides — contribute pre-tax now and pay tax on withdrawals, or contribute post-tax now and withdraw tax-free. The crossover often surprises people: if you expect rates to be higher in retirement (because of RMD-driven income or because tax brackets revert), Roth wins even at currently-lower brackets.
Q2.What's the right safe withdrawal rate?
The classic Trinity Study figure is 4% for a 30-year horizon. The calculator lets you flex three things: horizon, equity allocation, and historical-vs-Monte-Carlo testing. Long horizons (40-60 years for early retirees) and bond-heavy portfolios push the safe rate down toward 3-3.5%. Pure-equity portfolios with 30-year horizons can sustain closer to 4.5%.
Q3.When should I claim Social Security?
The breakeven calculator runs early (62), full retirement age (66-67), and delayed (70) against your specific lifetime cash flows. Delayed claiming gives you 8% per year from FRA to 70 — a guaranteed 8% real return, hard to beat anywhere else. The crossover is typically late 70s to early 80s; if you expect to live past that and have other resources to bridge, delay tends to win.
Q4.What's the mega backdoor Roth capacity?
The combined 401k limit ($69k for 2024, $70k for 2025) minus your pre-tax + employer contributions is your after-tax bucket — and that's the mega backdoor capacity, contributable as after-tax 401k and converted to Roth. The calculator shows you exactly how much is available after current contributions and match, and whether your plan supports in-service Roth conversions (the mechanic that makes the strategy work).
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