Retirement calculators for the US
Retirement savings, pensions and contributions.
- 8 free calculators
- Updated for 2026
- Official figures, no sign-up
Calculators
- 401(k) What your 401(k) could grow to by retirement, with your employer match.
- Social Security Your benefit at every age from 62 to 70, and when waiting pays off.
- RMD Your required minimum distribution from an IRA or 401(k), and when it’s due.
- HSA The tax a health savings account saves you, and what it could grow to.
- Roth Conversion The tax on converting to a Roth IRA, and whether it leaves you more later.
- Retirement Withdrawal How long your 401(k), IRA or savings will last, and how much you can take.
- FIRE When you could retire early, from your savings rate, and your Coast FIRE number.
- Social Security Tax How much of your Social Security benefits is taxable, and the tax it adds.
Guides
All US guides- Retirement & saving Roth vs traditional: 401(k) and IRA explained Roth or traditional for your 401(k) and IRA? How each is taxed, the 2026 limits and income limits, and which comes out ahead, with worked examples. Read the guide
- Retirement & saving HSA explained: limits for 2026 and 2027 How a health savings account works, the 2026 and 2027 HSA and HDHP limits, how much tax it saves, and how to use it for retirement too. Read the guide
- Retirement & saving How much should I save for retirement? (401(k) guide) How much to save for retirement in the US, why starting early matters most, a simple 401(k) target, and how to make the most of your employer match. Read the guide
- Income tax Year-end tax moves for 2026: what to do by December 31 The tax moves to make before December 31, 2026: retirement contributions, the new deductions, charity changes, tax-loss harvesting, FSAs and RMDs. Read the guide
- Investing Capital gains tax explained: rates, losses and your home How capital gains are taxed in the US: short and long-term rates, the 2026 brackets, the 3.8% net investment income tax, losses, and selling your home. Read the guide
- Investing Index funds vs picking stocks in the US: why go passive What an index fund is, why most fund managers fail to beat one, how much fees cost you over time, and how to start investing in the US. Read the guide