Free online 401(k) calculators for retirement planning.

Free 401(k) Calculators

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You can stop searching, because almost all free online 401(k) Calculators are listed below

Our free 401(k) Calculator is much better than all of these because it's the only one that performs ALL functions from all of the 401k calcs below

All of our free financial calculators, are on the Time Value of Money Tools demo, except for these, which are here:

Here's the world's most functional free online retirement calculator

The bond calculator's demo has the most functional free bond yield to maturity calculator on the web

Our free personal budget software is just okay because you can't make money from it because all of the major vendors just give theirs away for free

We listed almost every free online 401k calculator on the web. Then we made by far the best free 401(k) calculator in Excel so you can also use it offline.

There are dozens of websites with free online 401k calculators, but the vast majority just "rent" usage of them from the vendors below. Paying them rent allows webmasters to put the retirement calculators on their site in a manner that makes it look like their site built them (when they really just go to a site like Dinkytown to calculate / display results). So most 401k calculators are the same.

Please keep in mind that Tools for Money didn't make the ones listed below, they're just links to other free online financial calculator websites.

Most calculate the numbers as advertised, but there are so few input fields, that you can't account for most of the details that will dramatically alter Real World results.

This is page 1 of 11 of the free financial calculators:
401(k) Calculators

401(k) Calculators

Basic Financial Calculators

Family Money Calculators

Real Estate Calculators

Debt Calculators

Investment Calculators

Retirement Calculators

Tax Calculators

College Calculators

Insurance Calculators

Business Owner Calculators

Time Value of Money and Financial Calculator Terminology

TVM = Time value of money, the basic concepts of what these financial calculators are all about. PV = Present Value (beginning investment values, or how much something is worth today). PMT = Payments (constant contributions or withdrawals each compounding period, usually added to or subtracted from the scenario monthly). I = Compound interest rate (interest rate or growth rate that is applied at each N compounding period). N = Number of compounding periods (how many times the calculations are done that compound money at the given interest rate, usually in months or years. E.g., If you have $100 and you compound, or add, 10% annual interest, then you'd have $110 as a future value over this one compounding period. If N=2, then it would compound twice, and your ending value would be $121, which is $110 plus 10%). FV = Future value (usually the result, or the amount of money accumulated over N compounding periods). P = Principal, or how much money is being lent or borrowed. ARM = Adjustable Rate Mortgage. APR = Annual Percentage Rate.

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Here's the List of EVERYONE'S Free 401k Calculators:

Tip: The "number of inputs" tells how "good it is."

The fewer the number of input cells, the less amount of functions it performs. The fewer functions it performs, the less accurate it is, because it fails to account for important things, you can't control anything, and in general the lamer the free online calculator, the lamer the programming code is too (so there's many "errors" in their math).

So the more inputs the better.

The average number of inputs for all of the free rinky-Dinkytown 401(k) calculators below is around ten. Our free 401(k) calculator has around 50 (depending on how you count them).

We did not run any numbers to test accuracy or anything, so caveat emptor and you get what you pay for all applies here!

Listed in alphabetical order by their URL:

401k.fidelity.com - Links to their retirement calculators

401kcalculator.org - Nine inputs estimates FV in 30 years, then it has a chart that shows contributions and value over 30 years. They also have a "Reverse 401k calculator" here that tells you how much you'd need to contribute to reach a certain FV at age 65

http://401kcalculator.net/ - 11-input free 401(k) calculator

401kcalculatorx.com - Has a 20-input retirement calculator, but it didn't work when we tried it Aug '12

401khelpcenter.com - Has links to some of the most popular 401 calcs in the several to dozen input range

401kinvestmentadvice.com - 11-input 401k calc that produces the usual chart information

401kplanning.org - Has several Java-based 401k calculators (so you'd need to either have all that working or they want you to click yes to agree to install it on the spot)

Advisors401k.com - Has a free 401k calc download, and an interactive tour, in exe format (we're too scared to download and use it because exe format is the most dangerous way to install anything)

ADP's Calculate Your Savings by Integrating 401(K)& Payroll calculator

ADP's 401(k) calculator