Retirement calculators and guides
Plan retirement accumulation, financial independence, Coast FIRE, and inflation-adjusted withdrawals with connected tools and plain-English guides.
Calculators
Investment / Retirement Projection
Project long-term balance with contributions, returns, and inflation view.
Open →401(k) Contribution & Match
Project 401(k) growth from employee contributions and employer match, and see whether you capture the full match.
Open →Compound Interest
Project how recurring deposits and compounding can change future value.
Open →Investment Fee
Estimate how annual investment fees may reduce long-term portfolio growth.
Open →Inflation
Adjust dollar amounts for inflation using official U.S. CPI-U annual averages from the Bureau of Labor Statistics.
Open →FIRE
Estimate a financial-independence target and a contribution-based timeline to reach it.
Open →Coast FIRE
Estimate the portfolio needed today to grow toward a retirement target without new contributions.
Open →Retirement Withdrawal
Project inflation-adjusted retirement withdrawals, portfolio longevity, and ending balance.
Open →Roth vs. Traditional IRA
Compare Roth and traditional IRA after-tax values based on current and expected retirement tax rates.
Open →Social Security Estimator
Estimate monthly Social Security benefits at different claiming ages using your earnings history.
Open →
Guides
Compound Growth Basics
Learn how compounding, contributions, and time work together to grow savings and investments.
Open →How Investment Fees Affect Long-Term Returns
Understand expense ratios, advisory fees, platform costs, and the compound effect of fees over time.
Open →How Inflation Affects Your Savings
Learn how inflation erodes purchasing power, why nominal savings rates can mislead you, and how to protect long-term savings from rising prices.
Open →ROI vs. Annualized Return: How to Actually Compare Investments
Learn the difference between ROI and annualized return (CAGR), when to use each metric, and how to accurately compare investments held over different time periods.
Open →How to Calculate Your FIRE Number
Understand financial independence targets, spending assumptions, withdrawal rates, and the limits of FIRE projections.
Open →Coast FIRE Explained
Learn what Coast FIRE means, how compound growth affects the threshold, and why it is not the same as retiring today.
Open →Retirement Withdrawal Rates and Portfolio Longevity
Understand withdrawal rates, inflation adjustments, sequence risk, and flexible retirement-spending strategies.
Open →Roth vs. Traditional IRA Explained
Compare Roth and traditional IRA tax treatment, contribution limits, RMD rules, and how to choose based on current and future tax rates.
Open →Social Security Claiming Ages Explained
Compare Social Security benefits at ages 62, full retirement age, and 70 — including reductions, delayed credits, and break-even timing.
Open →