Financial tool map
Saving & retirement
Savings goals, pensions, retirement accounts, and income planning.
Choose the tool whose inputs and output match your task. Check each calculator’s assumptions and limitations before using its result.
Latest update:
This family answers the two sides of retirement math: building a balance and turning it into income. If you save through work, the 401(k) calculator projects a balance from salary deferrals, employer match rules, and monthly compounding. The savings goal calculator works backward from a target amount to the monthly deposit that reaches it by your deadline. A pension accumulation scenario models defined-benefit-style accumulation with salary growth and inflation; once you have a balance, the retirement withdrawal calculator estimates an inflation-adjusted starting withdrawal. Use the accumulation tools while you are contributing, and the withdrawal tool when planning income. Find related investing and money tools in the Financial collection.
42 of 42 calculators
Saving & retirement42 calculators
401(k) Calculator
Project a workplace 401(k) balance from salary deferrals, employer match rules, monthly compounding, and estimated tax on traditional withdrawals.
Updated
Verified
403(b) Calculator
Project a 403(b) retirement balance for nonprofit, education, church, or public-sector workers using salary, employee deferrals, employer contributions, returns, and raises.
Updated
529 College Savings Calculator
Estimate future education costs and the monthly 529 contribution suggested by the form from age, school years, inflation, starting balance, and return assumptions.
Updated
70/20/10 Rule Money Calculator
Split monthly or annual after-tax income into 70% living expenses, 20% savings or debt payoff, and 10% lifestyle spending with exact bucket amounts.
Updated
Annuity Calculator
Model an annuity as a stream of equal deposits or withdrawals with an opening balance, payment frequency, annual return, and ordinary or annuity-due timing.
Updated
Annuity Payout Calculator
Estimate the regular income a lump-sum annuity balance can support over a fixed term, with target ending balance, payout timing, and compounding assumptions.
Updated
APC Calculator (Average Propensity to Consume)
Calculate average propensity to consume from total consumption and disposable income, with the implied saving amount and saving share.
Updated
Bank Reconciliation Calculator
Reconcile book balance and bank statement balance by adjusting for deposits in transit, unpresented cheques, bank charges, interest, and NSF items.
Updated
Black Friday Discount Calculator
Calculate a Black Friday sale price, stacked promo savings, sales tax, shipping, and the real checkout total before you buy.
Updated
CD Rate Calculator
Calculate certificate of deposit maturity value, total interest, APY, and average monthly interest from deposit, rate, term, and compounding.
Updated
Verified
Cell Phone Plan Calculator
Compare buying an unlocked phone with a SIM-only plan against a carrier bundle or device financing plan over the same number of months.
Updated
Compound Interest Calculator
PopularCalculate future value from a starting balance, annual rate, years, monthly contributions, and compounding frequency, with interest earned separated from total deposits.
Updated
Verified
Deferred Annuity Calculator
Estimate how a lump sum and monthly contributions may grow during a deferral period, then convert the balance into level monthly withdrawals.
Updated
Early Retirement Calculator
Estimate when a retire-before-65 plan may reach financial independence using expenses, savings rate, real return, and a sustainable withdrawal-rate target.
Updated
Emergency Fund Calculator
Estimate an emergency fund target from essential monthly expenses, desired months of coverage, and current emergency savings.
Updated
FIRE Calculator (Financial Independence, Retire Early)
Estimate a FIRE number, first-year savings need, and savings rate using target retirement age, expenses, returns, inflation, current savings, and life expectancy.
Updated
Fixed Deposit (FD) Calculator
Estimate Indian fixed deposit maturity value, total interest, payout per period, and cumulative versus simple interest outcomes using the calculator's compounding method.
Updated
Immediate Annuity Calculator
Estimate fixed-period immediate annuity withdrawals from a premium, term, return, payout timing, frequency, and final balance target.
Updated
Interest Calculator
Calculate simple or compound interest earned from a principal, annual rate, time period, and compounding frequency.
Updated
Verified
Millionaire Calculator
Estimate how many months it takes to reach one million dollars or another savings target using monthly deposits, compound growth, timing, and inflation-adjusted buying power.
Updated
Money Market Account Calculator
Project a money market account balance from a starting balance, monthly deposits, annual return, compounding frequency, and time.
Updated
Money Multiplier Calculator
Calculate the observed money multiplier from deposits, reserves, and currency, then compare it with the simple reserve-ratio multiplier.
Updated
Verified
MPS Calculator (Marginal Propensity to Save)
Calculate marginal propensity to save from a change in income and saving, plus the implied marginal propensity to consume.
Updated
Pension Accumulation Scenario
Model a pension accumulation scenario with monthly returns, employee and employer contributions, salary growth, inflation, and an entered draw rate.
Updated
Verified
Perpetuity Calculator
Estimate the present value of a level or growing perpetuity by dividing the next payment by the discount rate, or by the discount-rate-minus-growth spread.
Updated
Present Value of Annuity Calculator
Calculate the value today of equal future payments by discounting each ordinary-annuity or annuity-due cash flow with the selected rate and compounding frequency.
Updated
Verified
Private Savings Calculator
Calculate macroeconomic private savings from total income or GDP, taxes, consumption, and optional income adjustments.
Updated
Verified
PVIFA Calculator (Present Value Interest Factor of Annuity)
Calculate PVIFA, the present value interest factor of an annuity, and multiply it by a payment to estimate ordinary annuity present value.
Updated
Retirement Age Calculator
Estimate the age when your savings may meet a retirement-income target, with context for Social Security full retirement age and simplified benefit assumptions.
Updated
Verified
Retirement Calculator
Estimate whether current savings and monthly contributions can fund a retirement income goal after inflation, investment growth, and withdrawal assumptions.
Updated
Retirement Withdrawal Calculator
Estimate an inflation-adjusted first monthly withdrawal from retirement savings using projected balance, retirement length, return assumptions, and withdrawal timing.
Updated
Sabbatical Calculator
Estimate how many months of sabbatical leave your savings plan can fund from monthly income, savings rate, saving runway, and planned leave spending.
Updated
Savings Calculator
Project a future savings balance from a starting deposit, monthly deposits, nominal annual interest, and monthly compounding.
Updated
Savings Goal Calculator
Calculate the monthly contribution needed to reach a target savings amount from current savings, timeline, and monthly compounding.
Updated
Verified
Savings Interest Rate Calculator
Find the lowest annual savings interest rate needed to reach a target balance with an initial balance, recurring deposits, compounding, and deposit timing.
Updated
Savings Plan Calculator
Total a scheduled savings plan with daily, weekly, bi-weekly, or monthly deposits that stay flat or increase by a fixed amount.
Updated
Savings Withdrawal Calculator
Estimate how long savings last, how much can be withdrawn monthly, or what balance remains after a drawdown period.
Updated
Simple Savings Calculator
Estimate a savings balance from an initial amount, nominal annual rate, compounding frequency, deposit amount, deposit frequency, and deposit timing.
Updated
Sinking Fund Calculator
Find the equal periodic contribution needed to accumulate a planned future amount with a selected interest and compounding frequency.
Updated
SWP Calculator (Systematic Withdrawal Plan)
Estimate the opening investment needed for a systematic withdrawal plan, including level or inflation-linked withdrawals, return assumptions, tax context, and a matching example.
Updated
Variable Annuity Calculator
Project a deferred variable annuity balance from contributions, market return assumptions, payment timing, compounding, growth, and taxes.
Updated
Wedding Budget Calculator
Plan a wedding budget by category, guest count, catering per guest, total cost, cost per guest, budget used, and remaining balance.
Updated
401(k) Calculator
Project a workplace 401(k) balance from salary deferrals, employer match rules, monthly compounding, and estimated tax on traditional withdrawals.
Updated
Verified
403(b) Calculator
Project a 403(b) retirement balance for nonprofit, education, church, or public-sector workers using salary, employee deferrals, employer contributions, returns, and raises.
Updated
529 College Savings Calculator
Estimate future education costs and the monthly 529 contribution suggested by the form from age, school years, inflation, starting balance, and return assumptions.
Updated
70/20/10 Rule Money Calculator
Split monthly or annual after-tax income into 70% living expenses, 20% savings or debt payoff, and 10% lifestyle spending with exact bucket amounts.
Updated
Annuity Calculator
Model an annuity as a stream of equal deposits or withdrawals with an opening balance, payment frequency, annual return, and ordinary or annuity-due timing.
Updated
Annuity Payout Calculator
Estimate the regular income a lump-sum annuity balance can support over a fixed term, with target ending balance, payout timing, and compounding assumptions.
Updated
APC Calculator (Average Propensity to Consume)
Calculate average propensity to consume from total consumption and disposable income, with the implied saving amount and saving share.
Updated
Bank Reconciliation Calculator
Reconcile book balance and bank statement balance by adjusting for deposits in transit, unpresented cheques, bank charges, interest, and NSF items.
Updated
Black Friday Discount Calculator
Calculate a Black Friday sale price, stacked promo savings, sales tax, shipping, and the real checkout total before you buy.
Updated
CD Rate Calculator
Calculate certificate of deposit maturity value, total interest, APY, and average monthly interest from deposit, rate, term, and compounding.
Updated
Verified
Cell Phone Plan Calculator
Compare buying an unlocked phone with a SIM-only plan against a carrier bundle or device financing plan over the same number of months.
Updated
Compound Interest Calculator
PopularCalculate future value from a starting balance, annual rate, years, monthly contributions, and compounding frequency, with interest earned separated from total deposits.
Updated
Verified
Deferred Annuity Calculator
Estimate how a lump sum and monthly contributions may grow during a deferral period, then convert the balance into level monthly withdrawals.
Updated
Early Retirement Calculator
Estimate when a retire-before-65 plan may reach financial independence using expenses, savings rate, real return, and a sustainable withdrawal-rate target.
Updated
Emergency Fund Calculator
Estimate an emergency fund target from essential monthly expenses, desired months of coverage, and current emergency savings.
Updated
FIRE Calculator (Financial Independence, Retire Early)
Estimate a FIRE number, first-year savings need, and savings rate using target retirement age, expenses, returns, inflation, current savings, and life expectancy.
Updated
Fixed Deposit (FD) Calculator
Estimate Indian fixed deposit maturity value, total interest, payout per period, and cumulative versus simple interest outcomes using the calculator's compounding method.
Updated
Immediate Annuity Calculator
Estimate fixed-period immediate annuity withdrawals from a premium, term, return, payout timing, frequency, and final balance target.
Updated
Interest Calculator
Calculate simple or compound interest earned from a principal, annual rate, time period, and compounding frequency.
Updated
Verified
Millionaire Calculator
Estimate how many months it takes to reach one million dollars or another savings target using monthly deposits, compound growth, timing, and inflation-adjusted buying power.
Updated
Money Market Account Calculator
Project a money market account balance from a starting balance, monthly deposits, annual return, compounding frequency, and time.
Updated
Money Multiplier Calculator
Calculate the observed money multiplier from deposits, reserves, and currency, then compare it with the simple reserve-ratio multiplier.
Updated
Verified
MPS Calculator (Marginal Propensity to Save)
Calculate marginal propensity to save from a change in income and saving, plus the implied marginal propensity to consume.
Updated
Pension Accumulation Scenario
Model a pension accumulation scenario with monthly returns, employee and employer contributions, salary growth, inflation, and an entered draw rate.
Updated
Verified
Perpetuity Calculator
Estimate the present value of a level or growing perpetuity by dividing the next payment by the discount rate, or by the discount-rate-minus-growth spread.
Updated
Present Value of Annuity Calculator
Calculate the value today of equal future payments by discounting each ordinary-annuity or annuity-due cash flow with the selected rate and compounding frequency.
Updated
Verified
Private Savings Calculator
Calculate macroeconomic private savings from total income or GDP, taxes, consumption, and optional income adjustments.
Updated
Verified
PVIFA Calculator (Present Value Interest Factor of Annuity)
Calculate PVIFA, the present value interest factor of an annuity, and multiply it by a payment to estimate ordinary annuity present value.
Updated
Retirement Age Calculator
Estimate the age when your savings may meet a retirement-income target, with context for Social Security full retirement age and simplified benefit assumptions.
Updated
Verified
Retirement Calculator
Estimate whether current savings and monthly contributions can fund a retirement income goal after inflation, investment growth, and withdrawal assumptions.
Updated
Retirement Withdrawal Calculator
Estimate an inflation-adjusted first monthly withdrawal from retirement savings using projected balance, retirement length, return assumptions, and withdrawal timing.
Updated
Sabbatical Calculator
Estimate how many months of sabbatical leave your savings plan can fund from monthly income, savings rate, saving runway, and planned leave spending.
Updated
Savings Calculator
Project a future savings balance from a starting deposit, monthly deposits, nominal annual interest, and monthly compounding.
Updated
Savings Goal Calculator
Calculate the monthly contribution needed to reach a target savings amount from current savings, timeline, and monthly compounding.
Updated
Verified
Savings Interest Rate Calculator
Find the lowest annual savings interest rate needed to reach a target balance with an initial balance, recurring deposits, compounding, and deposit timing.
Updated
Savings Plan Calculator
Total a scheduled savings plan with daily, weekly, bi-weekly, or monthly deposits that stay flat or increase by a fixed amount.
Updated
Savings Withdrawal Calculator
Estimate how long savings last, how much can be withdrawn monthly, or what balance remains after a drawdown period.
Updated
Simple Savings Calculator
Estimate a savings balance from an initial amount, nominal annual rate, compounding frequency, deposit amount, deposit frequency, and deposit timing.
Updated
Sinking Fund Calculator
Find the equal periodic contribution needed to accumulate a planned future amount with a selected interest and compounding frequency.
Updated
SWP Calculator (Systematic Withdrawal Plan)
Estimate the opening investment needed for a systematic withdrawal plan, including level or inflation-linked withdrawals, return assumptions, tax context, and a matching example.
Updated
Variable Annuity Calculator
Project a deferred variable annuity balance from contributions, market return assumptions, payment timing, compounding, growth, and taxes.
Updated
Wedding Budget Calculator
Plan a wedding budget by category, guest count, catering per guest, total cost, cost per guest, budget used, and remaining balance.
Updated
Frequently asked questions
- What does the CD rate calculator show?
- It shows the projected maturity balance for a certificate of deposit, the total interest earned over the term, the annual percentage yield created by the entered rate and compounding frequency, and average monthly interest. It assumes the CD is held to maturity and that the stated interest rate does not change.
- Is the interest rate input the same as APY?
- No. The input is treated as a stated annual interest rate. The calculator then applies the selected compounding frequency and reports the resulting APY. If your bank already quotes APY, compare it with the APY result rather than entering it as though it were a nominal rate.
- Does this include early withdrawal penalties?
- No. The calculation assumes you keep the certificate of deposit open for the full term. Early withdrawal penalties, account fees, tax withholding, brokered CD markups, and secondary-market price changes are outside the formula and should be checked in the CD disclosure before you commit funds.