Retirement & Pension Planning
401(k) compounding, Traditional vs Roth IRA, FIRE nest egg targets, Social Security, and Guyton-Klinger drawdowns.
Featured Retirement Tools (25)
401(k) Growth & Employer Match Calculator
401(k) employee contribution + employer match with 30-year compounding timeline.
Traditional vs Roth IRA Comparison
Pre-tax traditional IRA vs post-tax Roth IRA future purchasing power comparison.
FIRE Number & Safe Withdrawal Rate Calculator
Financial Independence Retire Early target nest egg (25x expenses) and safe withdrawal rate (4%).
Social Security Claiming Age Optimizer
Retirement benefit comparison starting at age 62, 67 (FRA), and 70 (Delayed credits).
Coast FIRE Target Calculator
Calculates amount needed today to stop saving and coast to full retirement.
Pension Annuity vs Lump Sum Buyout
Defined benefit monthly pension annuity vs lump-sum buyout present value.
IRS Rule 72(t) SEPP Early Withdrawal
Substantially Equal Periodic Payments penalty-free early retirement distribution.
Required Minimum Distribution (RMD) Calculator
Required Minimum Distribution calculation by IRS Uniform Lifetime Table.
Mega Backdoor Roth 401(k) Calculator
After-tax 401(k) non-deductible contributions to Roth rollover limit ($69,000+).
HSA Triple-Tax-Advantaged Growth
Health Savings Account triple-tax-free healthcare and retirement compounding.
Lifetime Immediate Annuity Payout
Fixed immediate annuity monthly payout rate by premium and age.
SIMPLE IRA Small Business Match
Small business SIMPLE IRA 3% matching contribution and employee elective deferral.
SEP-IRA Self-Employed Contribution
Self-employed SEP-IRA 25% of net adjusted business profit maximum contribution.
Backdoor Roth IRA & Pro-Rata Tax Planner
Traditional IRA non-deductible conversion to Roth with Pro-Rata tax rule.
Early Retirement Readiness Financial Score
Comprehensive financial score assessing retirement readiness.
Guyton-Klinger Dynamic Spending Guardrails
Dynamic spending guardrails (Guyton-Klinger) retirement cash flow simulation.
Inflation Impact on Fixed Pension Purchasing Power
Purchasing power erosion of fixed pension over 10, 20, 30 years.
Medicare Part B & D IRMAA Surcharge
Income-Related Monthly Adjustment Amount premium surcharge brackets.
403(b) Educator & Non-Profit Retirement
Non-profit and public school employee 403(b) retirement growth.
457(b) Deferred Compensation Growth
Government 457(b) retirement plan with no 10% early withdrawal penalty.
Solo 401(k) Owner & Profit-Sharing Planner
Owner-only business employee + employer profit-sharing maximum $69,000+ contribution.
Defined Benefit Cash Balance Pension
High-income small business owner maximum tax-deductible pension contribution.
Rule of 55 Penalty-Free 401(k) Withdrawal
401(k) penalty-free separation from service at age 55 withdrawal planner.
Barista FIRE Part-Time Income Planner
Partial retirement cash flow needed with part-time low-stress income.
Social Security Spousal Survivor Benefit
Social Security and pension spousal survivor benefit estimation.