Retirement — 401k, IRA & FIRE Calculators
Focused on long-horizon planning — employer-sponsored accounts, tax-advantaged IRAs, safe withdrawal rates, and early retirement math. Six calculators covering the full arc from your first contribution to your last withdrawal.
Retirement planning spans decades, which makes it uniquely sensitive to small assumptions compounding over a long horizon — contribution rate, employer match, account type, and withdrawal strategy all interact in ways that are hard to hold in your head. The Retirement category breaks that down into six focused calculators.
The general Retirement Calculator is the starting point — it projects total savings based on current contributions and flags potential shortfalls against a target retirement age and spending level. From there, the 401k Calculator models employer match, annual contribution limits, and long-term account growth specifically for employer-sponsored plans.
The IRA and Roth IRA calculators handle the two most common individual retirement accounts. IRA projects tax-deferred growth and estimated value at retirement for a traditional account, while Roth IRA projects tax-free growth and lets you directly compare the two — a common decision point for anyone choosing where to direct their contributions.
Once savings are in place, the Retirement Withdrawal calculator addresses the other half of the problem: how long will this actually last? It estimates portfolio longevity at a given withdrawal rate, helping you stress-test whether a 4% rule (or any other rate) holds up against your specific balance and timeline.
Finally, the FIRE Calculator is built for anyone targeting financial independence ahead of traditional retirement age — it calculates the savings needed to sustain a target annual expense level indefinitely, the core number behind any FIRE plan.