All calculators updated for 2026 IRS limits

Retirement Calculators

Eight free tools covering every major retirement account. Enter your numbers and get an instant, personalized breakdown — no login, no ads in the way.

🏢 Workplace Plans

Most popular

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401(k) Contribution Calculator

Calculate your exact contribution limit, employer match, and estimated federal tax savings. Includes 2026 catch-up and super catch-up limits for ages 50 and 60–63.

2026 limitsEmployer matchCatch-up age 50+Super catch-up 60–63

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403(b) Contribution Calculator

For teachers, nurses, and non-profit employees. Same limits as 401(k) with an additional 15-year service catch-up available to long-tenured employees.

Non-profitEducationHealthcare15-year rule

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🏦 IRA Accounts

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Roth IRA Eligibility Checker

Enter your income and filing status to find out whether you can contribute to a Roth IRA, how much you can contribute, and whether a backdoor Roth makes sense.

2026 income limitsPhase-out rangeBackdoor Roth

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Traditional IRA Deduction Calculator

Find out if your Traditional IRA contribution is fully deductible, partially deductible, or non-deductible based on your income and whether you have a workplace plan.

Tax deductionPhase-outWorkplace plan

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RMD Calculator

Calculate your Required Minimum Distribution from Traditional IRAs and 401(k)s using the IRS Uniform Lifetime Table. Avoid the 25% penalty for missed distributions.

Age 73+IRS life tablePenalty avoidanceInherited IRA

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💼 Self-Employed

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SEP IRA Calculator

Self-employed or small business owner? Calculate your maximum SEP IRA contribution for 2026 — up to $72,000 — based on your net self-employment income.

Self-employed$72,000 limit25% of compensationSolo 401(k) compare

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🏥 Healthcare Savings

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HSA Contribution Calculator

Calculate your 2026 HSA contribution limit for self-only or family HDHP coverage, including employer contributions and the triple tax advantage breakdown.

$4,400 self-only$8,750 familyTriple tax advantageHDHP required

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📈 Retirement Income & Planning

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Social Security Estimator

Estimate your monthly benefit based on your earnings and chosen claiming age. See the break-even point for delaying to 70 versus claiming at 62 or full retirement age.

Claiming age 62–708% delay creditSpousal benefitBreak-even

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Safe Withdrawal Rate Calculator

Enter your portfolio size and retirement duration to find your safe annual withdrawal amount. Based on the 4% rule with adjustable rate for your personal risk tolerance.

4% rulePortfolio size30-year horizonInflation adjusted

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