Free online retirement calculators for retirement planning.

Free Retirement Calculators

Menu of Retirement Planning Software
Site Information
(is listed below. The financial planning software modules for sale are on the right-side column)

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Free Downloads and Money Tools
(are listed below)

Free How-to Money eBook for DIY Investors, Critical Reading for Financial Advisers, and for Exposing Financial Myths

Free Sample Comprehensive Financial Plans

Free Money Software Downloads, Tutorials, Primers, Freebies, Investing Tips, and Other Resources

List of Free Financial Planning Software Demos

Selected Links to Other Relevant Money Websites

Free 401(k) Calculators

Free Financial Calculators

Free Family Money Calculators

Free Real Estate Calculators

Free Debt Calculators

Free Investment Calculators

Free Tax Calculators

Free College Saving Calculators

Free Insurance Calculators

Free Business Owner Calculators

We listed almost every free online retirement calculator on the web.

There are hundreds of websites with free online retirement 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 and display the results). So most retirement calculators are the same. For example, just's retirement calculators and MoneyToys uses Wheatworks.

Large collection of free retirement calculators.

Please keep in mind that Tools for Money didn't make the money calculators 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.

Huge real estate investing tip!: Build anything residential anywhere within a 75-mile radius of Portland, OR. There is little-to-nothing for sale, and even less to rent (especially in the summer). Massive supply / demand anomaly that can only be fixed by building massive amounts of housing for the millions of people that want to live there, but can't because there's literally no place to live.

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.

This is page 7 of 11 of the free financial 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

Financial Planning Software Modules For Sale
(are listed below)

Financial Planning Software that's Fully-Integrated
(the IFP is the NaviPlan alternative for 1/6th the price)

Goals-Only "Financial Planning Software"
(the MoneyGuidePro alternative for 1% of their price)

Retirement Planning Software Menu: Something for Everyone
(the RWRs, RP, and SRP)

Comprehensive Asset Allocation Software

Model Portfolio Allocations with Historical Returns

Monthly-updated ETF and Mutual Fund Picks

DIY Investment Portfolio Benchmarking Program

Financial Planning Fact Finders for Financial Planners Gathering Data from Clients

Investment Policy Statement Software (IPS)

Life Insurance Calculator (AKA Capital Needs Analysis Software)

Bond Calculators for Duration, Convexity, YTM, Accretion, and Amortization

Investment Software for Comparing the 27 Most Popular Methods of Investing

Rental Real Estate Investing Software

Net Worth Calculator (Balance Sheet Maker) and 75-year Net Worth Projector

College Savings Calculator

Financial Seminar Covering Retirement Planning and Investment Management

Sales Tools for Financial Adviser Marketing

Personal Budget Software and 75-year Cash Flow Projector

TVM Financial Tools and Financial Calculators

Our Unique Financial Services
(are listed below)

We're Fee-only Money Managers: So you can hire us to manage your money, and/or financial advisers can hire us to manage client money, using our Model Portfolios and/or Asset Allocation Systems

Mr. Market Timer's Unique Market-neutral Stock Market Timing Services
(the hedge fund alternative)

Consulting Services: Hire Us to Make Your Financial Plan, Retirement Plan, Benchmarking Report, Whatever

Buy or Sell a Financial Planning Practice

Miscellaneous Pages of Interest
(are listed below)

Primer Tutorial to Learn the Basics of Financial Planning Software

About the Department of Labor's New Fiduciary Rules

Using Asset Allocation to Manage Money

Download Brokerage Data into Spreadsheets

How to Integrate Financial Planning Software Modules to Share Data

CRM and Portfolio Management Software

About Monte Carlo Simulators

About Efficient Frontier Portfolio Optimizers

Calculating Your Investment Risk Tolerance

About Discount Brokers for DIY Money Management

About 401(k) Plan Management

Vendors >


Tools For Money Miscellaneous Vendors

Have to have Sun Java / ActiveX running (both are security risks)

Same as and

This won't work unless you accept their cookies, have your Java turned on, and pop-up blocker turned off. It also won't work the first time because it needs to put a cookie on your computer. So click on another calculator after the first attempt fails, then they should all work.

Same as FinanceCalc

All go to a main menu where you have to choose the calculator you want again

Time Value of Money Retirement Calculators and IRA Calculators Menu of retirement calculators is here, but they are not free

The Real World Retirement software is here

The Investment Comparator will do the same comparing functions infinitely better.

IRA Calculator.

Retirement Calculator.

Input retirement parameters, and it calculates estimates. Has the most input parameters of the free vendors.

Retirement Calculators with Withdrawal Schedules.

IRA Calculator.

Basic Retirement Savings Calculator.

Which will provide the most retirement income?

How will changes in my tax rate affect the decision?

Retirement savings calculator.

The power of tax deferral on savings.

Traditional IRA calculator | Contributions in IRAs.

Retirement Income Calculator.

Retirement planning calculator.

Retirement Calculator.

Create a retirement plan.

Traditional IRA calculator.

Finra's retirement calculator.

Retirement calculator.

Retirement withdrawal calculator.

Retirement percentage withdrawal calculator.

Combination retirement calculator.

Supplemental retirement calculator.

Annual withdrawal rate calculator.

Cost of retirement calculator.

Retirement portfolio lifespan calculator.

Eligibility for IRA calculator.

13 input fields will calculate an expenses vs. pool of capital graph.

Similar to the other one, but this will calculate when you'll run out of money.

Not much difference with this one compared with the others above.

7 inputs calculate post tax and inflation retirement incomes.

10 inputs calculate the future value difference in taxable accounts vs. IRAs.

How long will my retirement savings last?

Retirement Nest Egg Calculator.

Retirement Plan Withdrawal.

Retirement Planner with Retirement Earnings.

10 input fields will calculate when your money will run out during retirement.

7 inputs calculate when you should start saving for retirement.

Calculates how long life insurance proceeds will last. Input face values, income needs, inflation, I, tax rate, and it calculates an amortization schedule.

12 inputs calculate how much you'll need to save for retirement.

14 inputs calculate if your retirement savings are sufficient.

8 inputs will calculate how much retirement income a savings plan will provide.

8 inputs calculate monthly retirement income an IRA can provide.

Calculate which living expenses will increase or decrease at retirement.

6 inputs calculate how much you can contribute to an IRA.

A dozen inputs calculate the future value of tax-qualified retirement plans.

7 inputs calculate the difference between taxable vs. tax-deferred growth.

How much can self-employed people contribute to retirement plans calculator.

How long will my money last?

How does inflation impact my retirement income needs?

401(k) Calculators


403(b) Savings Calculator


457 Savings Calculator

Stretch IRA


Roth Converters,


and Roth IRA Calculator

Yes, most of retirement software does this.

The actual retirement software is not free

The Investment Comparator compares Roths, 401(k) and 403(b)s, better than anything else, but it's not free.

Roth IRA Calculator. They're all here. 401(k) net unrealized appreciation vs. IRA rollover using employer stock calculator.

9 inputs and sliders calculates future 401(k) balances.

Calculate the (tax) implications of spending part of your 401(k) before retirement.

403(b) calculator. 10 inputs and sliders calculate future values of 403(b) plans (similar to their 401(k) calculator).

403(b) calculator. 10 inputs and sliders calculate future values of 457 plans (similar to their 401(k) calculator).

Calculate how increasing 401(k) or 403(b) contributions can affect your paycheck as well as retirement.

Roth 401(k) vs. Traditional 401(k) Calculator.

Roth vs. Traditional IRA calculator.

Calculate converting an IRA to a Roth IRA.

Another calculator for converting an IRA to a Roth IRA.

Individual 401(k) Contribution Comparison.

Individual 401(k) Savings Calculator.

Roth 401(k) vs. Traditional 401(k) and your Paycheck.

401(k) Savings with Profit Sharing.

401(k) calculator: Input parameters like employer matches, and calculate future values.

Our Free Retirement Calculator is infinitely better.

Compare 401(k) growth with current and proposed contributions.

13 inputs calculate how much retirement income your 401(k) will provide.

4 inputs to calculate how to maximize employer 401(k) matches.

8 inputs calculate the impact of borrowing from your 401(k).

9 inputs calculate the impact of early 401(k) withdrawals.

Convert to a Roth IRA.

What may my 457 Plan be worth?.

Impact of increasing my 457 Plan contribution

Net Unrealized Appreciation (NUA) vs. IRA Rollover-.

What are my Stretch IRA distributions?.

Compare a Roth 401(k) to a Traditional 401(K).

72(t) Calculators (early retirement calculator) Yes, here and here but not free. No. Retirement plan early distribution calculator. 72(t) early withdrawal calculator: Five inputs and sliders calculates the amount of annual 72t distribution.

72(t) early withdrawal calculator: eight inputs and sliders calculates the amount of annual 72t distribution.

No. No.
Required Minimum Distributions (MDIB and/or MRD). For IRA Owners and IRA Beneficiaries Yes, here and here but not free. No. Finra's minimum distribution calculator.

RMD calculator.

MDIB calculator.

8 inputs calculate the amount of annual minimum distributions are required by the IRS for both IRA owners and/or beneficiaries.

5 inputs calculate the amount of annual minimum distributions are required by the IRS for both IRA owners.

Calculator to use RMDs to stretch out the life of IRAs over the next generation. AKA Stretch IRA Calculator.

Required Minimum Distribution (RMD) for Current Year.

4 inputs calculate the amount of annual RMDs.

6 inputs calculate the amount of annual RMDs.

Social Security Benefits and How Much Will Be Taxable Calculator. Not but it's best to get the real one for free directly from Social Security by clicking here. No. No. Social Security PIA (Primary Insurance Amount - or monthly benefit) calculator. Don't rely on this - use the free calculator from the SSA website.

Calculate how important losing Social Security will be.

15 inputs will calculate how much of your Social Security benefits will be taxable.

Social Security retirement income estimator.

Pension Plan Retirement and Payout Options No. No. Retirement Withdrawal. 9 inputs calculate the differences in Defined Benefit pension plan payout options. 8 inputs illustrates some differences in pension payout options. No.

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