Free retirement calculators — 38+ tools

Retirement calculators turn a vague worry — “will I have enough?” — into numbers you can act on. They project what your 401(k), IRA and pension will be worth, show how much you need to save each year to hit a target, and model the trickier rules that decide how much of your money you actually keep: required minimum distributions, early-withdrawal penalties, Roth conversions and the Medicare surcharges high incomes trigger in retirement.

The core tools fall into three jobs. Accumulation — a 401(k), IRA and nest-egg projector show what consistent saving compounds into, with Roth vs. traditional and savings-rate tools to fine-tune the mix. Distribution — an RMD, 72(t) and pension-vs-lump-sum calculator handle taking money out without penalties or surprises. And income — Social Security, annuity and retirement-income tools estimate the paycheck your savings will produce.

Each page explains the rule and cites its source — IRS contribution limits and RMD ages (updated for SECURE 2.0), Social Security claiming rules from the SSA, and the Medicare IRMAA brackets from CMS — then shows a worked example and the assumptions behind it. The math is exact for the numbers you enter, but retirement decisions are personal and tax law changes: treat every figure as a planning estimate to take to a fee-only adviser or CPA, not formal advice.