Savings & Retirement Calculators

Plan savings, investing, retirement, and financial independence with transparent assumptions and real-world benchmarks.

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📈Compound InterestSee how savings grow over time 👵Retirement SavingsProject where your retirement savings are headed 👵401(k)See where your 401(k) is headed 💎Net WorthList what you own and what you owe to get your net worth — then see how it stacks up…🔥FIRE Calculator (Financial Independence)How close are you to financial independence?

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Project how savings can growCompound Interest →Check whether retirement is on trackRetirement Savings →Estimate a workplace-plan balance401(k) →Compare assets and debts by ageNet Worth →

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Grouped by closely related intent, not one undifferentiated sitewide list.

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Saving & Investing56

📊Income PercentileWhere your income ranks on the U.S. distribution ⏳Time Value of MoneyFuture & present value — the core TVM math 📈Effective Annual RateEAR from any APR and compounding frequency 🔢Basis Pointsbps to percent, and the dollar impact 🏧Savings WithdrawalHow long will your money last?🥇Scrap Gold ValueMelt value by karat and gram 🥈Scrap Silver ValueSterling & coin silver melt value 🩺Money CheckupEvery number vs. its benchmark, one card 🏦APY Calculator (APR → APY)Turn a nominal rate (APR) and its compounding frequency into the real APY you earn, see…📋Budget Calculator (50/30/20)Enter your take-home pay and where it goes 📈CAGR Calculator (Compound Annual Growth Rate)Find the compound annual growth rate between two values — the smoothed yearly rate that…🏦CD Calculator (Certificate of Deposit)See what a certificate of deposit will be worth at maturity 📈Compound InterestSee how savings grow over time ⏳Cost of Waiting to Invest“I’ll start next year” is expensive 📊Dividend Income & ReinvestmentEstimate the income a dividend portfolio could produce and how reinvesting compounds it 📊Dividend YieldEnter a share price and its annual dividend to get the dividend yield and your income…🏦Emergency FundHow big should your safety net be?🏦High-Yield Savings AccountSee how a high-yield savings account grows 📈IRR Calculator (Internal Rate of Return)Find the internal rate of return — the annualized return that makes an investment’s…🎈InflationSee what inflation does to a sum of money 📈NPV Calculator (Net Present Value)Discount future cash flows to today with a net present value calculation 💎Net WorthList what you own and what you owe to get your net worth — then see how it stacks up…⏳Opportunity CostEvery choice has an opportunity cost — the return of the best alternative you pass up 📊Options ProfitModel a long call or put 📈ROI Calculator (Return on Investment)Enter what you put in and what you got out to get your ROI, net gain, and (with a time period)…📈Real ReturnA 7% return isn’t 7% of buying power 📈Rule of 72The Rule of 72 is the fastest mental math in finance: divide 72 by your return to get the years…🏦Savings GoalPlan toward a savings target 🏦Savings RateYour savings rate is the single biggest driver of when you can retire 📊Stock ProfitCalculate your profit or loss and percentage return on a stock trade — including fees…📋Wedding BudgetTurn a total wedding budget into a realistic breakdown by category and a cost per guest…📈InvestmentGrowth with contributions & compounding 🔍Interest RateFind the APR your payment implies 🧮Simple InterestI = P×r×t with compound comparison ⏪Present ValueDiscount future money to today ⏩Future ValueGrow deposits at any rate 📜BondPrice a coupon bond from YTM 🧾Mutual Fund FeesExpense-ratio drag on your returns 📊Average ReturnArithmetic vs geometric mean, CAGR 💹InterestGrowth with contributions, tax & inflation 🧮Finance (TVM)Solve N, I/Y, PV, PMT or FV 🏦How Much Should I Have in SavingsA 3–6 month emergency-fund target 🏦Savings at 30Emergency-fund target at 30 💳How Much to Keep in CheckingAbout 1–2 months of expenses 💵Lottery Annuity30-year graduated jackpot payouts vs cash option 💵Year over Year GrowthYoY % change between two values, plus CAGR 📈Continuous Compound Interest CalculatorA = Pe^rt growth versus discrete compounding 📊Stock Average CalculatorAverage cost per share across multiple buys 💰Future Value of Annuity CalculatorFV of equal payments — ordinary annuity or annuity due 💵Money CounterTotal a cash drawer from bill and coin counts 🔁MIRR CalculatorModified IRR with explicit finance and reinvestment rates ⚖️Black Scholes CalculatorEuropean option prices, delta, and d1/d2 from five inputs 🛒Buying Power CalculatorFuture purchasing power of a dollar amount under inflation 🧮PVIFA CalculatorPresent value interest factor of an annuity — ordinary or due 💹Discount Rate CalculatorSolve the implied discount rate from PV and FV

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Retirement58

🏫403(b)Project your balance; 2026 limit $24,500 👵401(k)See where your 401(k) is headed 👵401(k) Employer MatchFind out how much free money your employer 401(k) match adds 👵401(k) WithdrawalSee what a 401(k) withdrawal really nets you after taxes and, if you’re under 59½,…🎓529 College SavingsSee how a 529 plan grows 👵Annuity PayoutTurn a lump sum into a paycheck 🔥Coast FIRECoast FIRE is the point where your invested savings will grow into a full retirement on their…🎓College Cost & ROIIs the degree worth it?🔥FIRE Calculator (Financial Independence)How close are you to financial independence?🏥HSA GrowthAn HSA is the only triple-tax-advantaged account: deductible in, tax-free growth, tax-free out…💰Lump Sum vs AnnuityPension buyout or lottery payout: lump sum or annuity?🤑MillionaireWhen will you hit seven figures?👵PensionEstimate your pension from a typical formula — years of service × a benefit…👵RMDOnce you turn 73, the IRS requires withdrawals from traditional retirement accounts 👵Retirement Income GapWill your money last?👵Retirement SavingsProject where your retirement savings are headed 👵Retirement Withdrawal Calculator (4% Rule)Turn a portfolio balance into retirement income 👵Roth ConversionShould you convert traditional IRA money to Roth?👵Roth IRAProject your Roth IRA’s tax-free balance at retirement — and see whether your…🏛️Social Security Benefit EstimatorGet a rough estimate of your monthly Social Security benefit and see how much claiming early…💵Annuity PayoutPayment a principal supports — or how long it lasts 🪺IRA (Traditional)Tax-deferred growth vs taxable, 2026 limits 💰401(k) at 25Target: about 0.5× your salary 💰401(k) at 26Target: about 0.6× your salary 💰401(k) at 27Target: about 0.7× your salary 💰401(k) at 30Target: about 1× your salary 💰401(k) at 31Target: about 1.2× your salary 💰401(k) at 32Target: about 1.4× your salary 💰401(k) at 33Target: about 1.6× your salary 💰401(k) at 34Target: about 1.8× your salary 💰401(k) at 35Target: about 2× your salary 💰401(k) at 36Target: about 2.2× your salary 💰401(k) at 37Target: about 2.4× your salary 💰401(k) at 40Target: about 3× your salary 💰401(k) at 42Target: about 3.4× your salary 💰401(k) at 45Target: about 4× your salary 💰401(k) at 50Target: about 6× your salary 💰401(k) at 55Target: about 7× your salary 💰401(k) at 60Target: about 8× your salary 📊How Much to Contribute to a 401(k)Get the full match, then aim for ~15%💊How Much Should I Contribute to My HSA2026 limits and per-paycheck cost 🚗How Much Should I Put Down on a CarThe 20% rule, and what it saves 🏠How Much Should I Spend on RentThe 30% rule and landlord 3x cap 💰How Much Should I Save Each Month20% of take-home, in dollars 🎯How Much Saved by 25About 0.5× your salary put away 🎯How Much Saved by 30About 1× your salary put away 🎯How Much Saved by 35About 2× your salary put away 🎯How Much Saved by 40About 3× your salary put away 🎯How Much Saved by 45About 4× your salary put away 🎯How Much Saved by 50About 6× your salary put away

“Is $X enough to retire?” scenarios — Open the hub →

Is $1 million enough?Is $1.5 million enough?Is $2 million enough?Is $3 million enough?Is $4 million enough?Is $5 million enough?Is $10 million enough?Is $500k enough?

Insurance & Protection3

🦽Disability InsuranceYour ability to earn is your biggest asset 🛡️Life InsuranceEstimate how much life insurance your family actually needs with the DIME method —…🛡️Term vs Whole Life InsuranceWhole life costs many times more than term

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