Free Retirement Calculators
|Menu of Retirement Planning Software|
(is listed below. The financial planning software modules are on the right-side column)
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|You can Stop Searching, because almost All Free Online Retirement Calculators are 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
Our free 401(k) Calculator is the only one that performs all functions from all other 401k calculators
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 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 VisualCalc.com's retirement calculators and MoneyToys uses Wheatworks.
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.
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)
|Tools For Money||Calculatorpro.com||Miscellaneous Vendors||
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 (dangerous security risk), 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||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!||IRA Calculator.||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.||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.||A couple dozen inputs calculate what percentage of your needs are being met (Click on "Retirement planning calculator")|
403(b) Savings Calculator
457 Savings Calculator
and Roth IRA Calculator
|Yes, both the retirement software,||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.||A few sliders calculates IRA vs. Roths, and converted Roth IRAs (Click on "Roth IRA conversion calculator")|
|72(t) Calculators (early retirement calculator)||Yes, here and here but not free.||No.||Early retirement calculator.||72(t) early withdrawal calculator: Five inputs and sliders calculates the amount of annual 72t distribution.||Compare 72t Early Distribution alternatives calculator.||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.||A dozen inputs calculate pension lump sum distribution options.||No.|
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