Retirement Accounts calculators

49 live retirement accounts calculators inside Retirement Planning on The Online Calculator 24. Every engine shows its formula, the worked steps behind the default figures, and the standard or dataset the method comes from.

Live Retirement Accounts tools

• 401(k) Growth Calculator — Project your 401(k) balance including employer match — and see exactly what leaving the match on the table costs.
• Roth 401(k) Calculator — Projects a Roth 401(k) contribution stream to retirement tax-free and lines it up against the same money in a traditional account, so the decision rests on tax rates rather than hope.
• 403(b) Calculator — Projects the tax-deferred account carried by public-school employees and 501(c)(3) staff, including the 15-year service catch-up that lets long-tenured educators stash far more than the standard limit.
• 457(b) Calculator — Models the governmental deferred-comp plan that lets public employees defer pay without the age-59½ handcuffs — the balance is payable at separation at any age with no penalty.
• SEP-IRA Contribution & Tax Deduction Calculator — Calculate the maximum allowable tax-deductible SEP-IRA contribution for self-employed professionals, incorporating Schedule C net profit, the SE tax deduction, and 2024 statutory IRS limits.
• SIMPLE IRA Calculator — Prices the small-employer plan that trades 401(k) limits for simplicity: mandatory contributions, no testing, no filing beyond an election, and instant 100% vesting.
• Traditional IRA Calculator — Shows the pre-tax IRA as a joint investment with the IRS: every deductible dollar shrinks the current tax bill and every withdrawn dollar repays it at your rate at the time.
• Roth IRA vs. Taxable Brokerage Calculator — Quantify the exact dollar value ("tax alpha") of a Roth IRA compared to a standard taxable brokerage account, factoring in annual dividend drag and capital gains liquidation taxes.
• Backdoor Roth IRA & Pro-Rata Rule Calculator — Model a high-income Backdoor Roth IRA conversion and calculate the exact IRS Form 8606 Pro-Rata tax liability triggered by existing pre-tax balances in Traditional, SEP, or SIMPLE IRAs.
• Mega Backdoor Roth Calculator — Values the largest legal Roth maneuver: contributing past the deferral cap as after-tax money, then converting to Roth — tens of thousands of extra tax-free dollars a year where the plan allows it.
• Solo 401(k) Calculator — Computes the two-hat plan for owner-only businesses: you are both employee (deferral track) and employer (profit-share track), stacking to the highest dollar-per-dollar retirement deduction available.
• Defined Benefit Pension Calculator — Prices the classic final-average-pay DB formula and its lump-sum buyout alternative, reducing the annuity-vs-cash decision to a break-even horizon and an investment-return comparison.
• Cash Balance Plan Calculator — Projects the hybrid DB plan that looks like a 401(k) but carries a promise: every year a pay credit lands, plus a fixed interest credit, and the account converts to an annuity at payout.
• ESOP Value Calculator — Values the employee-stock-ownership allocation — shares of your own company credited to your account — and the concentration risk the rollover and diversification rules exist to manage.
• Profit Sharing Plan Calculator — Projects a defined-contribution plan whose yearly contribution is a company decision, allocated by compensation formula — discretionary, capped at the §415(c) line, no employee deferrals.
• Stock Bonus Plan Calculator — Values the employer-stock retirement plan — a defined-contribution cousin of the ESOP without the ownership-and-governance machinery — and the NUA tax quirk that makes it worth modeling.
• Non-Qualified Deferred Comp Calculator — Prices the top-hat deferral above 401(k) limits for executives: the tax arbitrage of deferring at a high current rate into a lower payout rate, against the creditor risk that funds it.
• 457(f) Plan Calculator — Values a 457(f) top-hat promise for tax-exempt and governmental employers: income tax lands the moment the forfeiture risk disappears, regardless of when the cash arrives.
• Excess Benefit Plan Calculator — Sizes the unfunded excess-benefit arrangement that keeps a DB plan promise intact above the §415(b) annual limit for highly compensated participants.
• SERP Supplemental Retirement Calculator — Models the supplemental executive retirement promise that restores the benefit §415 limits strip from a DB design — a company-funded, generally unfunded, negotiated annuity.
• Employer Match Value Calculator — Translates the 401(k) match formula into dollars and percentage-of-pay, so the “how much should I defer” question answers itself at the cap line.
• Vesting Schedule Value Calculator — Shows how much of the employer’s money is legally yours today under the two safe-harbor vesting schedules — cliff or graded — and what a departure at your exact anniversary forfeits.
• Roth Conversion Calculator — Compares converting a traditional balance to Roth now against leaving it pre-tax, isolating the two levers that decide it: the tax-rate expectation and where the conversion tax is paid from.
• Partial Roth Conversion Calculator — Sizes the annual drip of Roth conversions that exactly fills the current tax bracket, instead of one mega-conversion that detonates the next bracket and IRMAA.
• Roth Ladder Calculator — Sequences Roth conversions so each tranche’s 5-year penalty clock expires just as you need it — the structured way to live off retirement money before 59½.
• IRA Recharacterization Calculator — Explains the undo button that still exists for IRA contributions (not conversions since 2020): move a Roth contribution — plus earnings — back to traditional and recover the tax consequences.
• 60-Day Rollover Calculator — Prices the indirect (60-day) rollover: the check that arrives 20% light, the outside cash you must front to finish the job, and the tax penalty if the clock or the cash runs out.
• Direct Rollover Calculator — A transparent linear conversion for direct rollover: the factor is visible, the arithmetic is shown, and the inverse direction comes free.
• Trustee-to-Trustee Transfer Calculator — A transparent linear conversion for trustee-to-trustee transfer: the factor is visible, the arithmetic is shown, and the inverse direction comes free.
• In-Plan Roth Rollover Calculator — A transparent linear conversion for in-plan roth rollover: the factor is visible, the arithmetic is shown, and the inverse direction comes free.
• Net Unrealized Appreciation Calculator — A transparent linear conversion for net unrealized appreciation: the factor is visible, the arithmetic is shown, and the inverse direction comes free.
• Company Stock Distribution Calculator — A transparent linear conversion for company stock distribution: the factor is visible, the arithmetic is shown, and the inverse direction comes free.
• Lump Sum vs Annuity Calculator — A transparent linear conversion for lump sum vs annuity: the factor is visible, the arithmetic is shown, and the inverse direction comes free.
• Pension Buyout Calculator — A transparent linear conversion for pension buyout: the factor is visible, the arithmetic is shown, and the inverse direction comes free.
• Early Retirement Penalty Calculator — A transparent linear conversion for early retirement penalty: the factor is visible, the arithmetic is shown, and the inverse direction comes free.
• Substantially Equal Payments Calculator — A transparent linear conversion for substantially equal payments: the factor is visible, the arithmetic is shown, and the inverse direction comes free.
• 72(t) Distribution Calculator — A transparent linear conversion for 72(t) distribution: the factor is visible, the arithmetic is shown, and the inverse direction comes free.
• Rule of 55 Calculator — A transparent linear conversion for rule of 55: the factor is visible, the arithmetic is shown, and the inverse direction comes free.
• Public Safety Exception Calculator — A transparent linear conversion for public safety exception: the factor is visible, the arithmetic is shown, and the inverse direction comes free.
• Required Minimum Distribution Calculator — A transparent linear conversion for required minimum distribution: the factor is visible, the arithmetic is shown, and the inverse direction comes free.
• RMD by Age Calculator — The exact calendar arithmetic behind rmd by age — leap-year-safe day counts converted into every unit people actually need.
• Inherited IRA RMD Calculator — A transparent linear conversion for inherited ira rmd: the factor is visible, the arithmetic is shown, and the inverse direction comes free.
• Stretch IRA Calculator — A transparent linear conversion for stretch ira: the factor is visible, the arithmetic is shown, and the inverse direction comes free.
• 10-Year Rule Calculator — A transparent linear conversion for 10-year rule: the factor is visible, the arithmetic is shown, and the inverse direction comes free.
• 5-Year Rule Calculator — A transparent linear conversion for 5-year rule: the factor is visible, the arithmetic is shown, and the inverse direction comes free.
• Qualified Charitable Distribution Calculator — A transparent linear conversion for qualified charitable distribution: the factor is visible, the arithmetic is shown, and the inverse direction comes free.
• Qualified Opportunity Fund Calculator — A transparent linear conversion for qualified opportunity fund: the factor is visible, the arithmetic is shown, and the inverse direction comes free.
• SECURE Act Impact Calculator — A transparent linear conversion for secure act impact: the factor is visible, the arithmetic is shown, and the inverse direction comes free.
• SECURE 2.0 Impact Calculator — A transparent linear conversion for secure 2.0 impact: the factor is visible, the arithmetic is shown, and the inverse direction comes free.

Reading a Retirement Accounts result

A number on its own is the weakest thing a calculator can give you, so these tools pair each output with the comparison that gives it meaning: the gap to a target, the band the value falls in, or what a realistic swing in one input does to the answer. When a figure looks wrong, that is usually the fastest place to check — re-run it with one input moved and see whether the change lines up with the formula printed above the result.

Related sub-topics in Retirement Planning

• Retirement Income — 49 live tools.