Retirement Planning
Turn a paycheck into a lifetime.
- 1.Max the 401(k) match
- 2.Pick Roth or Traditional
- 3.Estimate Social Security
- 4.Set a safe withdrawal rate
Investment Calculators
SIP, mutual funds, retirement and compounding calculators.
72 free investment calculators — no signup, mobile-friendly, formulas verified by our editorial team.
Featured investment calculators
Investment
401(k) Calculator
401(k) balance at retirement with employer match.
Investment
529 College Savings Calculator
Project a 529 plan balance and estimated state income-tax savings.
Investment
Dividend Reinvestment (DRIP) Calculator
Compound share count and dividends over decades of DRIP investing.
Investment
FIRE Calculator
Target corpus for Financial Independence Retire Early.
Investment
Mega Backdoor Roth Calculator
After-tax 401(k) headroom up to the $70k §415(c) cap.
Investment
Retirement Savings Calculator
Corpus needed for retirement with monthly savings plan.
All investment calculators
Investment
401(k) Calculator
401(k) balance at retirement with employer match.
Investment
529 College Savings Calculator
Project a 529 plan balance and estimated state income-tax savings.
Investment
Dividend Reinvestment (DRIP) Calculator
Compound share count and dividends over decades of DRIP investing.
Investment
FIRE Calculator
Target corpus for Financial Independence Retire Early.
Investment
Mega Backdoor Roth Calculator
After-tax 401(k) headroom up to the $70k §415(c) cap.
Investment
Retirement Savings Calculator
Corpus needed for retirement with monthly savings plan.
Investment
Retirement Withdrawal Calculator
Stress-test your withdrawal plan against sequence-of-returns risk.
Investment
Roth Conversion Calculator
Federal tax owed to convert a Traditional IRA to a Roth IRA.
Investment
Roth IRA Calculator
Tax-free retirement growth from Roth IRA contributions.
Investment
Roth vs Traditional IRA Calculator
Compare after-tax retirement value of Roth and Traditional IRA at the same contribution.
Investment
Safe Withdrawal Rate Calculator
Solve the Bengen-style SWR that funds your horizon at a chosen real return.
Investment
Series I Savings Bond Calculator
Composite rate, growth and early-redemption penalty on Series I Savings Bonds.
Investment
Social Security Break-Even Calculator
Break-even age for claiming early (62) vs delaying to Full Retirement Age or 70.
Investment
Solo 401(k) Calculator
Employee + employer contribution limits for self-employed retirement (2025).
Investment
401(k) Rollover Calculator
Extra money kept by rolling an old 401(k) to a low-cost IRA.
Investment
Annuity Payout Calculator
Monthly income from a fixed period-certain or lifetime annuity.
Investment
Backdoor Roth IRA Calculator
Nondeductible IRA to Roth conversion with pro-rata rule check.
Investment
Bond Duration Calculator
Macaulay and Modified duration plus DV01 interest-rate sensitivity.
Investment
Bond Yield to Maturity (YTM) Calculator
Solve YTM from price, coupon and maturity via bisection — with current yield.
Investment
CAGR Calculator
Compound annual growth rate of an investment.
Investment
Coast FIRE Calculator
Savings needed today to coast to retirement.
Investment
Deferred Compensation Withdrawal Calculator
Compare a lump sum against installments from a 457(b) or NQDC plan on an after-tax present-value basis.
Investment
Dividend Yield Calculator
Annual dividend yield on a stock.
Investment
EPF Calculator
Employees' Provident Fund corpus at retirement.
Investment
ESOP Value Calculator
Value your employee stock ownership plan account, vested balance and projected distribution.
Investment
FERS Pension Calculator
Federal employee FERS basic annuity, survivor election and annuity supplement.
Investment
Goal Planning Calculator
Monthly investment to reach a future goal.
Investment
HDFC FD Calculator
HDFC Fixed Deposit maturity value.
Investment
HSA Contribution Calculator
2025 HSA limits, catch-up, employer contribution and federal tax savings.
Investment
ICICI FD Calculator
ICICI Fixed Deposit maturity value.
Investment
Inherited IRA 10-Year Rule Calculator
Plan inherited IRA withdrawals under the SECURE Act 10-year rule, including annual RMDs and tax impact.
Investment
Lumpsum Calculator
Future value of a one-time investment.
Investment
Municipal Bond Yield Calculator
Compare a muni bond to a taxable bond on after-tax basis with in-state/out-of-state and NIIT.
Investment
NPS Calculator
National Pension System maturity and monthly pension.
Investment
Pension Lump Sum vs Annuity Calculator
Compare a lump-sum pension buyout to lifetime monthly annuity payments.
Investment
Pension Payout Calculator
Defined-benefit pension using final salary × years × multiplier.
Investment
Portfolio Rebalancing Calculator
Buy/sell amounts per asset sleeve to restore target allocation with drift bands.
Investment
Portfolio Return Calculator
Weighted return of a multi-asset portfolio.
Investment
Post Office FD Calculator
India Post Time Deposit maturity value.
Investment
Post Office MIS Calculator
Monthly Income Scheme payout.
Investment
Post Office RD Calculator
India Post Recurring Deposit maturity value.
Investment
Post Office Time Deposit Calculator
Post Office TD interest for 1-5 year tenures.
Investment
PPF Calculator
Public Provident Fund maturity and interest.
Investment
Railroad Retirement Calculator
Estimate Tier I and Tier II railroad annuities using the RRB 0.7% service formula.
Investment
Required Retirement Income Calculator
Nest egg needed to replace target percentage of pre-retirement income.
Investment
RMD by Year Calculator
Multi-year Required Minimum Distribution schedule using the IRS Uniform Lifetime Table.
Investment
RMD Calculator
IRS Required Minimum Distribution from IRAs and 401(k)s at age 73+.
Investment
Roth Conversion Break-Even Calculator
Years to recoup the tax cost of a Traditional-to-Roth IRA conversion.
Investment
RRSP Calculator
Canadian Registered Retirement Savings Plan growth.
Investment
Rule 72(t) SEPP Calculator
Substantially equal periodic payments under all three IRS methods to access retirement money before 59½.
Investment
SBI FD Calculator
SBI Fixed Deposit maturity value.
Investment
SCSS Calculator
Senior Citizen Savings Scheme quarterly payout.
Investment
SEP-IRA Contribution Calculator
Maximum SEP-IRA contribution for the self-employed (2025 limits).
Investment
Sequence of Returns Risk Calculator
Compare bad-returns-first vs good-returns-first retirement scenarios at the same average return.
Investment
SIMPLE IRA Calculator
Employee + employer SIMPLE IRA contributions with 3% match or 2% non-elective.
Investment
SIP Calculator
Future value of monthly SIP investments.
Investment
Social Security Benefits Calculator
Estimated monthly Social Security benefit at your chosen claim age.
Investment
Social Security Earnings Test Calculator
How much Social Security is withheld when you work before Full Retirement Age.
Investment
Social Security Spousal Benefits Calculator
Estimate the spousal benefit top-up, up to 50% of your spouse's PIA.
Investment
Social Security Survivor Benefits Calculator
Estimate monthly survivor benefits for a widow, widower or surviving child.
Investment
SSI Benefits Calculator
Estimate Supplemental Security Income after SSA income exclusions.
Investment
SSY Calculator
Sukanya Samriddhi Yojana maturity value.
Investment
Stock Return Calculator
Total and annualised return on stock investment.
Investment
SWP Calculator
Systematic withdrawal plan payouts and corpus longevity.
Investment
Tax-Equivalent Yield Calculator
Convert a tax-free yield into its taxable equivalent using federal, state, and NIIT rates.
Investment
TFSA Calculator
Canadian Tax-Free Savings Account growth.
Investment
Traditional IRA Calculator
Future balance and tax deduction from Traditional IRA contributions.
Investment
Treasury Bill Calculator
Discount purchase price, interest earned, and bond-equivalent yield on 4–52 week T-Bills.
Investment
Treasury Bill Ladder Calculator
Staggered T-Bill ladder pricing, bond-equivalent yield and state tax savings.
Investment
Treasury Bond Calculator
Semiannual-coupon Treasury Bond and Note pricing at any market YTM.
Investment
TSP Withdrawal Calculator
Project Thrift Savings Plan installments, taxes, 20% withholding and how long the balance lasts.
Investment
XIRR Calculator
Annualised return on irregular cash flows.
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Investment
401(k) Rollover Calculator
Extra money kept by rolling an old 401(k) to a low-cost IRA.
Investment
Annuity Payout Calculator
Monthly income from a fixed period-certain or lifetime annuity.
Investment
Backdoor Roth IRA Calculator
Nondeductible IRA to Roth conversion with pro-rata rule check.
Investment
Bond Duration Calculator
Macaulay and Modified duration plus DV01 interest-rate sensitivity.
Investment
Bond Yield to Maturity (YTM) Calculator
Solve YTM from price, coupon and maturity via bisection — with current yield.
Investment
CAGR Calculator
Compound annual growth rate of an investment.
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Investment explainedRetirement401(k), IRA, Roth, Social Security and withdrawal-rate guides paired with retirement calculators.Read the guide →Popular investment searches
Who should use these investment calculators
Built for U.S. investing and retirement decisions, with documented formulas and primary-source references.
- New investors learning how compounding actually behaves over decades
- Savers choosing between a 401(k), Roth IRA and Traditional IRA
- Pre-retirees modelling withdrawal rates and Social Security timing
- Anyone measuring fee drag on a portfolio
Decision guides
Ordered calculator paths for the decisions this category supports.
Investing
Compound your way to independence.
- 1.Understand compounding
- 2.Automate contributions
- 3.Reinvest dividends
- 4.Track annualized return
Saving for College
529s, aid, and total cost projections.
- 1.Estimate total cost
- 2.Model a 529 plan
- 3.Compare loan options
- 4.Plan payoff up front
Calculator comparisons
Side-by-side breakdowns when two tools answer nearly the same question.
Investment learning path
Start where you are. Each level builds on the tools above it.
Beginner
See what regular contributions become over time.
Intermediate
Choose accounts and tax treatment deliberately.
Advanced
Plan drawdown, RMDs and benefit timing.
Common investment mistakes
What we see people get wrong most often — and the correction.
- Projecting one fixed return forever
- Run an optimistic, base and pessimistic case. Sequence of returns matters more than the average.
- Ignoring fees
- A 1% expense ratio can consume a quarter of a lifetime portfolio. Model it explicitly.
- Comparing nominal, not real, growth
- Deflate long-horizon results by inflation so the number means something in today's dollars.
- Leaving employer match on the table
- The match is an immediate, guaranteed return — fund it before any other account.
Latest resources
Explainers and guides from our education hub.
How we keep these calculators trustworthy
Editorial review, documented methodology and primary U.S. sources.
- Editorial policyWho writes and reviews our tools.
- Calculator methodologyHow each formula is chosen and documented.
- How we verify formulasKnown-answer tests against published examples.
- How we test accuracyAutomated regression suite on every release.
- Sources & referencesIRS, CFPB, SSA, HUD, VA, CMS, FDIC, FINRA, Treasury, DOL.
- Financial disclaimerEstimates for education, not financial advice.
Official Sources & References
The formulas, rates and definitions used by this calculator are aligned with the following official sources:
- U.S. Securities and Exchange Commission — Investor.gov — Official compound-interest and growth conventions.
- FINRA — Fund Analyzer & Investor Education — Expense-ratio, fee-drag and fund-comparison methodology.
- U.S. Department of the Treasury — Interest Rate Data — Benchmark Treasury yields for risk-free comparison.
- IRS — Investment Income and Expenses (Pub. 550) — Capital gains, dividends and cost-basis rules.
We use only primary sources — regulators, standards bodies and scheme operators. See our full sourcing policy for details. Sources & References Policy · Calculator Methodology · How We Verify Formulas