Free Retirement Calculators
|Menu of Retirement Planning Software|
(is listed below. The financial planning software modules for sale are on the right-side column)
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|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, FinanceCalc.com just VisualCalc.com's retirement calculators and MoneyToys uses Wheatworks.
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:
|Financial Planning Software Modules For Sale
(are listed below)
Financial Planning Software that's Fully-Integrated
Goals-Only "Financial Planning Software"
Retirement Planning Software Menu: Something for Everyone
Our Unique Financial Services
Mr. Market Timer's Unique Market-neutral Stock Market Timing Services
Miscellaneous Pages of Interest
|Tools For Money||Calculatorpro.com||Miscellaneous Vendors||Dinkytown.net
Have to have Sun Java / ActiveX running (both are security risks)
Same as FinCalc.com and CalcXML.com
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||IRA Calculator.||Input retirement parameters, and it calculates estimates. Has the most input parameters of the free vendors.||13 input fields will calculate an expenses vs. pool of capital graph.||10 input fields will calculate when your money will run out during retirement.|
403(b) Savings Calculator
457 Savings Calculator
and Roth IRA Calculator
|Yes, most of retirement software does this.||Roth IRA Calculator.||They're all here.||401(k) net unrealized appreciation vs. IRA rollover using employer stock calculator.||401(k) calculator: Input parameters like employer matches, and calculate future values.|
|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.||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.||8 inputs calculate the amount of annual minimum distributions are required by the IRS for both IRA owners and/or beneficiaries.||4 inputs calculate the amount of annual RMDs.||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.||No.||Social Security PIA (Primary Insurance Amount - or monthly benefit) calculator. Don't rely on this - use the free calculator from the SSA website.||15 inputs will calculate how much of your Social Security benefits will be taxable.||No.|
|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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