Investment & Retirement Calculators
71 free calculators — all 50 states
Plan your financial future with compound interest, 401k, IRA, FIRE, and retirement withdrawal calculators.
All Calculators
401(k) Contribution & Growth Calculator
Project your 401(k) balance at retirement including employer match and the 2026 IRS contribution limit ($24,500, plus catch-up). See year-by-year growth.
72(t) SEPP Calculator (Substantially Equal Periodic Payments)
Calculate your 72(t) substantially equal periodic payment (SEPP) amount under the IRS RMD and fixed amortization methods. See your required plan duration, tax cost, and the recapture-penalty risk of stopping early.
Alabama Retirement Calculator
Plan your retirement in Alabama. Factor in lower cost of living and state income tax. Free calculator.
Alaska Retirement Calculator
Plan your retirement in Alaska. Factor in higher cost of living and no state income tax. Free calculator.
Annuity Payout Calculator
Calculate the monthly, annual, and total payout from a fixed annuity given a lump sum, interest rate, and payout period.
Arizona Retirement Calculator
Plan your retirement in Arizona. Factor in higher cost of living and state income tax. Free calculator.
Arkansas Retirement Calculator
Plan your retirement in Arkansas. Factor in lower cost of living and state income tax. Free calculator.
Backdoor Roth IRA Calculator
See exactly how much of your backdoor Roth IRA conversion is taxable under the IRS pro-rata rule (Form 8606) if you have other pre-tax IRA money — plus your estimated tax bill.
California Retirement Calculator
Plan your retirement in California. Factor in higher cost of living and state income tax. Free calculator.
CD Calculator (Certificate of Deposit)
Calculate how much a Certificate of Deposit (CD) will be worth at maturity. Enter your deposit, APY, and term to see total interest earned.
Coast FIRE Calculator
Calculate your Coast FIRE number — how much you need invested today so growth alone reaches your FIRE number by retirement age, with no more contributions required.
Colorado Retirement Calculator
Plan your retirement in Colorado. Factor in higher cost of living and state income tax. Free calculator.
Compound Interest Calculator
Calculate how your money grows with compound interest. See future value with monthly contributions, different compounding frequencies, and year-by-year growth.
Connecticut Retirement Calculator
Plan your retirement in Connecticut. Factor in higher cost of living and state income tax. Free calculator.
Delaware Retirement Calculator
Plan your retirement in Delaware. Factor in higher cost of living and state income tax. Free calculator.
Emergency Fund Calculator
Calculate your ideal emergency fund size and how long it will take to save. Based on your monthly expenses and savings rate.
FIRE Number Calculator
Calculate your FIRE number (25x annual expenses) and see how many years until you reach Financial Independence, based on your savings rate and expected return.
Florida Retirement Calculator
Plan your retirement in Florida. Factor in higher cost of living and no state income tax. Free calculator.
Georgia Retirement Calculator
Plan your retirement in Georgia. Factor in lower cost of living and state income tax. Free calculator.
Hawaii Retirement Calculator
Plan your retirement in Hawaii. Factor in higher cost of living and state income tax. Free calculator.
Idaho Retirement Calculator
Plan your retirement in Idaho. Factor in lower cost of living and state income tax. Free calculator.
Illinois Retirement Calculator
Plan your retirement in Illinois. Factor in lower cost of living and state income tax. Free calculator.
Indiana Retirement Calculator
Plan your retirement in Indiana. Factor in lower cost of living and state income tax. Free calculator.
Iowa Retirement Calculator
Plan your retirement in Iowa. Factor in lower cost of living and state income tax. Free calculator.
Kansas Retirement Calculator
Plan your retirement in Kansas. Factor in lower cost of living and state income tax. Free calculator.
Kentucky Retirement Calculator
Plan your retirement in Kentucky. Factor in lower cost of living and state income tax. Free calculator.
Louisiana Retirement Calculator
Plan your retirement in Louisiana. Factor in lower cost of living and state income tax. Free calculator.
Maine Retirement Calculator
Plan your retirement in Maine. Factor in higher cost of living and state income tax. Free calculator.
Maryland Retirement Calculator
Plan your retirement in Maryland. Factor in higher cost of living and state income tax. Free calculator.
Massachusetts Retirement Calculator
Plan your retirement in Massachusetts. Factor in higher cost of living and state income tax. Free calculator.
Medicare IRMAA Calculator (Part B Premium Surcharge)
Estimate your 2026 Medicare Part B premium including the Income-Related Monthly Adjustment Amount (IRMAA) surcharge. Uses official CMS brackets based on your MAGI from two years ago.
Mega Backdoor Roth Calculator
Calculate your available after-tax "mega backdoor Roth" contribution room beyond the standard 401(k) limit, up to the 2026 $72,000 overall IRS cap.
Michigan Retirement Calculator
Plan your retirement in Michigan. Factor in lower cost of living and state income tax. Free calculator.
Minnesota Retirement Calculator
Plan your retirement in Minnesota. Factor in lower cost of living and state income tax. Free calculator.
Mississippi Retirement Calculator
Plan your retirement in Mississippi. Factor in lower cost of living and state income tax. Free calculator.
Missouri Retirement Calculator
Plan your retirement in Missouri. Factor in lower cost of living and state income tax. Free calculator.
Montana Retirement Calculator
Plan your retirement in Montana. Factor in higher cost of living and state income tax. Free calculator.
Nebraska Retirement Calculator
Plan your retirement in Nebraska. Factor in lower cost of living and state income tax. Free calculator.
Nevada Retirement Calculator
Plan your retirement in Nevada. Factor in higher cost of living and no state income tax. Free calculator.
New Hampshire Retirement Calculator
Plan your retirement in New Hampshire. Factor in higher cost of living and no state income tax. Free calculator.
New Jersey Retirement Calculator
Plan your retirement in New Jersey. Factor in higher cost of living and state income tax. Free calculator.
New Mexico Retirement Calculator
Plan your retirement in New Mexico. Factor in lower cost of living and state income tax. Free calculator.
New York Retirement Calculator
Plan your retirement in New York. Factor in higher cost of living and state income tax. Free calculator.
North Carolina Retirement Calculator
Plan your retirement in North Carolina. Factor in lower cost of living and state income tax. Free calculator.
North Dakota Retirement Calculator
Plan your retirement in North Dakota. Factor in lower cost of living and state income tax. Free calculator.
Ohio Retirement Calculator
Plan your retirement in Ohio. Factor in lower cost of living and state income tax. Free calculator.
Oklahoma Retirement Calculator
Plan your retirement in Oklahoma. Factor in lower cost of living and state income tax. Free calculator.
Oregon Retirement Calculator
Plan your retirement in Oregon. Factor in higher cost of living and state income tax. Free calculator.
Pennsylvania Retirement Calculator
Plan your retirement in Pennsylvania. Factor in lower cost of living and state income tax. Free calculator.
QCD Calculator (Qualified Charitable Distribution)
Calculate how much of your IRA RMD a Qualified Charitable Distribution can offset, using the 2026 $111,000 IRS cap. See the AGI/MAGI reduction and estimated federal tax savings.
Retirement Savings Calculator
Plan your retirement savings with this free calculator. See how much you need to save monthly to reach your retirement goal with the 4% rule.
Rhode Island Retirement Calculator
Plan your retirement in Rhode Island. Factor in higher cost of living and state income tax. Free calculator.
RMD Calculator (Required Minimum Distribution)
Calculate your Required Minimum Distribution using the official IRS Uniform Lifetime Table. See this year's RMD and a 10-year projection.
Roth Conversion Ladder Calculator (Early Retirement)
Plan a multi-year Roth conversion ladder to access retirement funds before age 59½ penalty-free. See your year-by-year conversion schedule, tax cost per bracket, and bridge-fund gap using the IRS 5-year rule.
Roth IRA Calculator
Calculate Roth IRA growth and check your 2026 contribution eligibility by income. See tax-free balance at retirement using the current $7,500 IRS limit.
Roth vs. Traditional 401(k)/IRA Calculator
Compare the real after-tax retirement value of Roth vs. Traditional contributions using your actual current and expected retirement marginal tax brackets -- not a flat rate guess.
SEP IRA Calculator
Calculate your maximum SEP IRA contribution for 2026 — for self-employed filers (20% of net earnings) or W-2 business owners (25% of compensation), up to the $72,000 IRS limit.
Solo 401(k) Calculator for the Self-Employed
Calculate your maximum Solo 401(k) contribution as a self-employed sole proprietor or single-member LLC — employee deferral plus employer profit-sharing, using 2026 IRS limits.
South Carolina Retirement Calculator
Plan your retirement in South Carolina. Factor in lower cost of living and state income tax. Free calculator.
South Dakota Retirement Calculator
Plan your retirement in South Dakota. Factor in lower cost of living and no state income tax. Free calculator.
Tax-Loss Harvesting Calculator
Calculate how much federal tax you could save by realizing capital losses this year -- the $3,000/$1,500 ordinary-income offset limit, loss carryforward, and net short/long-term capital gain treatment, sourced directly from IRS Topic 409.
Tennessee Retirement Calculator
Plan your retirement in Tennessee. Factor in lower cost of living and no state income tax. Free calculator.
Texas Retirement Calculator
Plan your retirement in Texas. Factor in lower cost of living and no state income tax. Free calculator.
Traditional IRA Calculator
Calculate Traditional IRA growth, check 2026 deduction eligibility if you're covered by a workplace plan, and see your after-tax value at retirement.
Utah Retirement Calculator
Plan your retirement in Utah. Factor in higher cost of living and state income tax. Free calculator.
Vermont Retirement Calculator
Plan your retirement in Vermont. Factor in higher cost of living and state income tax. Free calculator.
Virginia Retirement Calculator
Plan your retirement in Virginia. Factor in higher cost of living and state income tax. Free calculator.
Washington Retirement Calculator
Plan your retirement in Washington. Factor in higher cost of living and no state income tax. Free calculator.
West Virginia Retirement Calculator
Plan your retirement in West Virginia. Factor in lower cost of living and state income tax. Free calculator.
Wisconsin Retirement Calculator
Plan your retirement in Wisconsin. Factor in lower cost of living and state income tax. Free calculator.
Wyoming Retirement Calculator
Plan your retirement in Wyoming. Factor in lower cost of living and no state income tax. Free calculator.
About Investment & Retirement Calculators
Plan your financial future with compound interest, 401k, IRA, FIRE, and retirement withdrawal calculators. All 71 calculators are free to use, require no sign-up, and provide instant, formula-based results — see each calculator's own methodology section below for exactly how its figures are calculated and sourced.
Each calculator includes a detailed methodology section explaining the formulas used, data sources cited with verification dates, and frequently asked questions to help you understand the results. Results are shareable and print-friendly.