Saving, investing and pay
- Compound interest calculator
What a sum grows to at a set rate, with APY and the balance year by year.
- Investment calculator
Future value of a balance with regular deposits or withdrawals.
- Pay raise calculator
New pay after a raise, or the percent raise, for every pay period.
Retirement
- Retirement calculator
What your savings could reach by retirement, and the monthly saving a goal needs.
- How long will my money last?
How many years savings cover a monthly withdrawal, plus the 4% rule.
- 401(k) calculator
Balance at retirement with your employer match and the current IRS limits.
- 403(b) calculator
For school, hospital and nonprofit staff, with the 15-year rule.
- 457(b) calculator
For government and nonprofit plans, with both kinds of catch-up.
- Roth IRA calculator
How much you can put in at your income, and what it could grow to.
- RMD calculator
Required minimum distribution for your age, from the IRS table.
Which one do I need?
| Your question | Use |
|---|---|
| What will a sum I leave alone be worth? | Compound interest |
| What if I add to it every month? | Investment |
| What will I have when I stop working? | Retirement |
| How much do I need to save each month to reach a goal? | Retirement, second option |
| What will my workplace plan be worth, with the IRS limits? | 401(k), 403(b) or 457(b) |
| How much can I put into a Roth IRA at my income? | Roth IRA |
| How much do I have to take out at 73 or 75? | RMD |
| How long will my savings cover my spending? | How long will my money last? |
| What is my raise worth in each paycheck? | Pay raise |
How these calculators work
The sums run in your browser, so the figures you type are never sent to us. Each calculator lists its steps, and each page gives the formula with examples you can check by hand. The rules we follow for rounding, monthly rates and pay periods are set out on the how we calculate page.
Future returns and inflation are unknown, so these calculators apply the steady rates you choose. Try a cautious figure as well as a hopeful one.
Results are estimates for planning. They are not financial, tax or legal advice.