Free Retirement Calculators

Free online retirement calculators for personal finance.

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You can stop searching, because almost all free online retirement calculators are below

The world's most functional Free retirement calculator is here. It's a scaled-down version of the RP Retirement Planner

Our Free financial calculators, are here on the Time Value of Money Tools demo

The bond calculator's demo has the most functional Free bond yield to maturity calculator ever to be on the web

Analysis on when it's best to start collecting Social Security benefits

We listed almost every free online retirement calculator on the web. Then we made a better free retirement calculator in Excel so you can also use it offline.

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, FinanceCalc.com just uses VisualCalc.com's retirement calculators and MoneyToys uses Wheatworks.

Please keep in mind that Toolsformoney.com 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 use most of the details that will dramatically alter Real World results. But what do you expect for free? Use these simplistic results at your own peril! If you don't like financial peril, you can always get detailed Real World results by paying a few bucks to use Toolsformoney.com's financial calculators instead.

 

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, usually added or subtracted to 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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This site

CalculatorWeb.com

Dinkytown.net

Financial Calculators.com

Same as FinCalc.com

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.

Interest.com

Same as Calculators.interest

Moneytoys.com

Same as Wheatworks

VisualCalc.com

Same as FinanceCalc

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

Time Value of Money Retirement Calculator and IRA Calculators Yes, the best Free Retirement Calculator ever is here. Dozens more inputs mean you'll get by far the most information!

 The best non-free one ever created is here!

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

Input retirement parameters, and it calculates estimates. Has the most input parameters of the free vendors (excluding Toolsformoney.com), so it will do more than the others. Our Free Retirement Calculator is infinitely better. 13 input fields will calculate an expenses vs. pool of capital graph. Our Free Retirement Calculator is infinitely better.

Similar to the other one, but this will calculate when you'll run out of money. Our Free Retirement Calculator is infinitely better.

Not much difference with this one compared with the others above. Our Free Retirement Calculator is infinitely better.

7 inputs calculate post tax and inflation retirement incomes. Our Free Retirement Calculator is infinitely better.

10 inputs calculate the future value difference in taxable accounts vs. IRAs. Our Free Retirement Calculator is infinitely better.

10 input fields will calculate when your money will run out during retirement. Our Free Retirement Calculator is infinitely better.

7 inputs calculates when you should start saving for retirement. Our Free Retirement Calculator does all of this infinitely better.

Calculates how long life insurance proceeds will last. Input face values, income needs, inflation, I, tax rate, and it calculates an amortization schedule. Our Free Retirement Calculator is infinitely better.

12 inputs calculates how much you'll need to save for retirement. Our Free Retirement Calculator is infinitely better.

14 inputs calculates if your retirement savings are sufficient. Our Free Retirement Calculator is infinitely better.

8 inputs will calculate how much retirement income a savings plan will provide. Our Free Retirement Calculator is infinitely better.

7 inputs will calculate how long systematic withdrawals will last. Our Free Retirement Calculator is infinitely better.

 8 inputs calculates monthly retirement income an IRA can provide. Our Free Retirement Calculator is infinitely better.

Calculate which living expenses will increase or decrease at retirement. Our Cash Flow Projector does this better than anything else, but it's not free.

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

A dozen inputs calculate the future value of tax-qualified retirement plans. Our Free Retirement Calculator is infinitely better.

7 inputs calculate the difference between taxable vs. tax-deferred growth. Our Free Retirement Calculator is infinitely better.

Our Investment Comparator does this better than anything else, but it's not free.

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

No No A couple dozen inputs calculates what percentage of your needs are being met (Click on "Retirement planning calculator") Our Free Retirement Calculator does this infinitely better.

A few sliders calculates how much income an investment portfolio will pay (Click on "Retirement distribution calculator") Our Free Retirement Calculator does this infinitely better.

A few sliders calculates the value of a nest egg (investment portfolio) considering withdrawals (Click on "Nest egg calculator") Our Free Retirement Calculator does this infinitely better.

401(k) Calculators

and

403(b) Savings Calculator

and

457 Savings Calculator

and Roth IRA Calculator

Yes, both the retirement software, and the 401(k) calculator are better, but will never be free.

The free retirement calculator is better than most of the others

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

No 401(k) net unrealized appreciation vs. IRA rollover using employer stock calculator.

9 inputs and sliders calculates future 401(k) balances. Our Free Retirement Calculator is infinitely better.

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). Our Free Retirement Calculator does this infinitely better.

403(b) calculator. 10 inputs and sliders calculate future values of 457 plans (similar to their 401(k) calculator). Our Free Retirement Calculator does this infinitely better.

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. Our Investment Comparator does this better than anything else, but it's not free.

Calculate converting an IRA to a Roth IRA. Our Investment Comparator does this better than anything else, but it's not free.

Another calculator for converting an IRA to a Roth IRA. Our Investment Comparator does this better than anything else, but it's not free.

 401(k) calculator: Input parameters like employer matches, and calculate future values. Our Free Retirement Calculator is infinitely better.

Also the 401(k) Calculator will do this better than anything else, but it's not free.

 Compare 401(k) growth with current and proposed contributions. Our Free Retirement Calculator is infinitely better.

13 inputs calculates how much retirement income your 401(k) will provide. Our Free Retirement Calculator is infinitely better.

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.

Roth IRA Conversion Calculator.

Unrealized appreciation (NUA) vs. IRA Rollover calculator.

Compare Roth IRA to Traditional IRA calculator.

No No A few sliders calculates IRA vs. Roths, and converted Roth IRAs (Click on "Roth IRA conversion calculator") Our Investment Comparator does this better than anything else, but it's not free.
72(t) Calculators (early retirement calculator) Yes, here and here but not free. No 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.

Compare 72t Early Distribution alternatives calculator. No No No
 Required Minimum Distributions (MDIB and/or MRD). For IRA Owners and IRA Beneficiaries Yes, here and here but not free. No 8 inputs calculates the amount of annual minimum distributions are required by the IRS for both IRA owners and/or beneficiaries.

5 inputs calculates 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.

4 inputs calculates the amount of annual RMDs.

6 inputs calculates the amount of annual RMDs.

No No No
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 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 PIA (Primary Insurance Amount - or monthly benefit) calculator. Don't rely on this - use the free calculator from the SSA website.

No No No
Pension Plan Retirement and Payout Options No. No 9 inputs calculates the differences in Defined Benefit pension plan payout options. A dozen inputs calculates pension lump sum distribution options.

8 inputs illustrates some differences in pension payout options.

No No No

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