Free online retirement calculators for retirement planning.

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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:
Retirement 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
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Financial Planning Software that's Fully-Integrated

Retirement Planning Software Menu: Something for Everyone

Comprehensive Asset Allocation Calculator

Asset Allocation Models with Investment Track Record

Our Monthly-updated Mutual Fund Picks

TVM Financial Tools and Free Financial Calculators

Financial Planning Fact Finders

Investment Policy Statement Software

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

Life Insurance Needs Calculator

Rental Real Estate Analysis Software

Net Worth Calculator

College Savings Calculator

Marketing Seminar for Financial Planners

Financial Planning Marketing

Free Personal Budget Software and 75-year Cash Flow Projector

Vendors > Functions	Tools For Money	Calculatorpro.com	Miscellaneous Vendors	Dinkytown.net Have to have Sun Java / ActiveX running (both are security risks)	FinancialCalculators.com 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.	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 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! 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 (excluding Toolsformoney.com), so it will do more than the others. 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. Cost of retirement calculator. Retirement portfolio lifespan. Tax deferred savings calculator. IRA eligibility 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. 7 inputs will calculate how long systematic withdrawals will last. 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?	A couple dozen inputs calculate what percentage of your needs are being met (Click on "Retirement planning calculator") A few sliders calculates how much income an investment portfolio will pay (Click on "Retirement distribution calculator") A few sliders calculates the value of a nest egg (investment portfolio) considering withdrawals (Click on "Nest egg calculator")
401(k) Calculators and 403(b) Savings Calculator and 457 Savings Calculator Stretch IRA and Roth Converters, and and Roth IRA Calculator	Yes, both the retirement software, 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.	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. Roth IRA Conversion Calculator. Convert to a Roth IRA Unrealized appreciation (NUA) vs. IRA Rollover calculator. Compare Roth IRA to Traditional IRA calculator. 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)	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. 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.	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. RMD calculator. Minimum distribution calculators. 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.	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. 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	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. 8 inputs illustrates some differences in pension payout options.	No.