EVERY RETIREMENT DECISION · WITH THE MATH SHOWN

Retirement Calculators

Every money decision about the 30+ years after you stop working. 401(k), Roth IRA, FIRE number, Social Security timing, withdrawal rate. Cited to IRS and SSA.

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Updated May 19, 2026 · IRS Pub 590 · SSA 2026 PIA
  • 401(k) Contribution Calculator

    Forecast outcomes with 401(k) contribution calculator.

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  • Roth IRA Calculator

    Forecast outcomes with roth ira calculator.

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  • FIRE Number Calculator

    Forecast outcomes with fire number calculator.

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  • Retirement Savings Calculator

    Forecast outcomes with retirement savings calculator.

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2026 IRS contribution limits: 401(k) $23,500 (+$7,500 catch-up if 50+), IRA $7,000 (+$1,000 catch-up), HSA $4,400 single / $8,750 family. Social Security full retirement age is 67 for anyone born 1960+; claiming at 62 cuts benefits 30% permanently, waiting to 70 adds 24%. The SSA PIA formula (90% of first $1,226, 32% up to $7,391, 15% above) drives every benefit calculation. Every figure cited to IRS Pub 590 + SSA publications.

  • Retirement Savings Calculator

    Forecast outcomes with retirement savings calculator.

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  • Emergency Fund Calculator

    Forecast outcomes with emergency fund calculator.

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  • FIRE Number Calculator

    Forecast outcomes with fire number calculator.

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  • 401(k) Contribution Calculator

    Forecast outcomes with 401(k) contribution calculator.

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  • Roth vs Traditional IRA Calculator

    Forecast outcomes with roth vs traditional ira calculator.

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  • IRA Contribution Tax Savings Calculator

    Forecast outcomes with ira contribution tax savings calculator.

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  • HSA Calculator

    Forecast outcomes with hsa calculator.

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  • Social Security Optimizer

    Forecast outcomes with social security optimizer.

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  • RMD Calculator

    Forecast outcomes with rmd calculator.

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  • Income Replacement Calculator

    Forecast outcomes with income replacement calculator.

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  • Savings Rate Calculator

    Forecast outcomes with savings rate calculator.

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  • CD Ladder Calculator

    Forecast outcomes with cd ladder calculator.

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  • Inflation Impact Calculator

    Forecast outcomes with inflation impact calculator.

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  • Early Retirement Withdrawal Calculator

    Forecast outcomes with early retirement withdrawal calculator.

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  • FIRE Timeline Calculator

    Forecast outcomes with fire timeline calculator.

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  • 529 Plan Calculator

    Forecast outcomes with 529 plan calculator.

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  • Coast FIRE Calculator

    Forecast outcomes with coast fire calculator.

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  • Inherited IRA Calculator

    Forecast outcomes with inherited ira calculator.

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  • Medicare IRMAA Calculator

    Forecast outcomes with medicare irmaa calculator.

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  • Required Minimum Distribution Calculator

    Forecast outcomes with required minimum distribution calculator.

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  • Roth IRA Calculator

    Forecast outcomes with roth ira calculator.

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  • Self-Employed Retirement Calculator

    Forecast outcomes with self-employed retirement calculator.

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  • Series I Bond Calculator

    Forecast outcomes with series i bond calculator.

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  • CD Calculator

    Forecast outcomes with cd calculator.

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  • Savings Account Calculator

    Forecast outcomes with savings account calculator.

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  • Savings Calculator

    Forecast outcomes with savings calculator.

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  • 401(k) Match Calculator

    Forecast outcomes with 401(k) match calculator.

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  • Roth Conversion Window Calculator

    Forecast outcomes with roth conversion window calculator.

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  • Medicare Planner

    Forecast outcomes with medicare planner.

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  • Inherited IRA RMD Calculator

    Forecast outcomes with inherited ira rmd calculator.

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  • Social Security Claiming Strategy

    Forecast outcomes with social security claiming strategy.

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Written and maintained by Jere Salmisto, Founder, CalcFi. Updated May 19, 2026.

Formulas and data sourced from IRS Publications 560 (retirement plans), 590-A/590-B (IRAs), SSA benefit formulas (PIA, bend points), and FRED Treasury yield curve. Methodology at /about/editorial. Published by CalcFi Editorial.

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