Calculators
Retirement & FIRE

🌅 Retirement & FIRE calculators

Retirement savings, withdrawals, FIRE numbers, 401(k), IRA and Monte Carlo odds.

12 calculatorsFree · no sign-upFormulas explained

Retirement CalculatorProject retirement savings against the nest egg you need, and find the earliest age you could retire.
Retirement Income & Expenses CalculatorCompare retirement income with spending, and project how inflation and healthcare costs grow.
Retirement Withdrawal & Sequence Risk CalculatorTest withdrawal strategies and see how the order of returns can make or break a retirement plan.
FIRE CalculatorFind your FIRE number, the years to financial independence and your Lean and Fat FIRE targets.
Coast FIRE CalculatorEstimate when current investments could grow to the retirement target without additional contributions.
Retirement Monte Carlo SimulatorSimulate thousands of market paths to estimate the odds your retirement savings last.
Pension Growth & Annuity Payout CalculatorEstimate growth in pension account balances, the income a pot can pay and a defined benefit pension.
401(k) CalculatorProject a 401(k) with employer match, 2026 limits and catch-ups, plus the take-home cost per paycheck.
IRA CalculatorRoth vs traditional IRA after tax, the break-even tax rate, and 2026 Roth and deduction limits by income.
Required Minimum Distribution (RMD) CalculatorThis year's RMD, your starting age under SECURE 2.0, the deadline and a 20-year projection.
Asset Allocation by Age CalculatorCompare hypothetical stock, bond and cash retirement allocations by age, with a glide path to 95.
Generational Wealth CalculatorProject intergenerational transfers after assumed investment returns, spending, heirs and estate taxes.

About these calculators

Retirement planning is a long projection with uncertain inputs, so these calculators show ranges as well as point estimates. Project savings and the age you can stop working, size a FIRE number, model 401(k) matching and Roth versus traditional IRAs, and test withdrawal plans against sequence risk and Monte Carlo simulations.

Inflation is built in throughout, so results can be read in today's money.

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