Free Online Retirement Calculators

You can use this retirement fund balance calculator to figure out how much money you will have in a retirement fund, given a fixed annual contribution.  The calculator uses an estimate of your years to retirement and expected annual return on the fund as inputs.

This calculator uses the same basic approach as the retirement fund balance calculator, except it presents you with a table showing the compounded growth of the retirement fund over time.  As was the case with the retirement fund balance calculator, this tool uses an estimate of your years to retirement and expected annual return on the fund as inputs.

This retirement income calculator helps you to figure out if your retirement income expectations are realistic based on your current retirement funds and savings rate.  Based on your current age and age at retirement, the calculator can estimate your total fund balance at retirement, and the annual income performance against target - with and without inflation.

This retirement withdrawal calculator can help you figure out how much money you can withdraw from your retirement fund each month.  Using your retirement age and funds at retirement, the calculator allows you to calculate a monthly income stream you can receive from this money.  The calculator accommodates any pension income or social security you'll receive.  The calculator also allows you to evaluate your monthly retirement income using a scenario that leaves money in your estate.

This retirement savings calculator can help you figure out how much money you should save each year to reach your retirement income goals.  The calculator uses your current age, household income and current retirement assets to develop an annual retirement savings target.

This millionaire calculator helps you figure out how much money you need to save each year to have a million dollars at retirement.  The calculator uses your current age, retirement age, current net worth, and the expected annual return on investments to develop an annual savings target.  Although this calculator defaults to a target net worth of $1 million, you can modify the value if you’d like to save more money.

This Roth IRA funds calculator allows you to figure out how much retirement income you can expect from your Roth IRA account.  Based on your current age and age at retirement, the calculator can estimate your total fund balance at retirement and an annual income stream from that fund.

This traditional IRA funds calculator allows you to figure out how much retirement income you can expect from your traditional IRA account.  Based on your current age and age at retirement, the calculator can estimate your total fund balance at retirement and an annual income stream from that fund for deposits that are made on both a before and after tax basis.

This calculator allows you to see the difference between a Roth IRA versus a traditional IRA in terms of annual income.  This Roth vs. Traditional IRA calculator allows you to figure out how much retirement income you can expect from each of three types of retirement accounts on an after tax basis.

This minimum required distribution calculator can help you estimate your MRD for a traditional IRA, 401k and 403b plan.  By entering your current age, retirement account balance and an expected return on investment for the account, this calculator provides an estimate of your current and future minimum required distribution payments.

This CSRS retirement calculator can help you figure out your retirement benefits under the Civil Service Retirement System.  Using your age at retirement, years of service, unused sick days and High-3 salary, this CSRS calculator will provide you with an estimate of your Basic Annual Annuity, Annuity with Survivor benefits and the Survivor Benefits themselves, if they apply.  The technical description for the formula used by this CSRS calculator is the "General Formula."

This free compound interest calculator allows you to see the impact of compound interest on your long term investment.  The calculator takes your investment or savings amount, interest rate before compounding, and investment duration to calculate the daily, weekly, monthly, quarterly, semi-annual and annual effective interest rate.  The calculator also returns the future value of the investment at each of the compounded interest rates

This annuity calculator can help you figure out the fixed payments you'll receive from this type of retirement investment over time.  The calculator uses the starting principal balance, the interest rate received on the annuity, and the payment period to calculate annual annuity payments.  The calculator also displays the declining balance of the investment over time.

This immediate annuity calculator can help you figure out the fixed payments you'll receive from this type of retirement investment over time.  An immediate annuity is a retirement income investment option typically offered by insurance companies.  With this type of annuity, a large sum of money, or premium, is paid in exchange for a stream of income that continues for as long as you live. This calculator provides the user with monthly, quarterly, as well as annual payments.

This present value of an annuity calculator can help you figure out the worth of a stream of payments extending into the future.  By taking the annual payment, number of payment periods, and the interest rate (or discount rate) of the annuity, this tool can calculate the value of that annuity stated in terms of today's dollars.

This calculator can help you figure out the future value of a retirement account, as well as three possible annuities that could be funded using this money.  Specifically, this calculator takes into consideration a fund's current balance, the size, and the duration over which payments will be placed into this fund.  The resulting future value of this fund is then converted into three annuity terms: 20, 25, and 30 years.