Retirement authority hub

Retirement Calculators

Use this hub to plan workplace contributions, employer match, retirement readiness, IRA choices, FIRE timelines, withdrawal sustainability and emergency cash reserves before changing long-term savings decisions.

Start with the right retirement question

Workplace retirement401(k) CalculatorProject 401(k) savings with employee contributions, match and limits.View Calculator Workplace retirementEmployer 401(k) Match CalculatorSee employee contribution needed to capture the full employer match.View Calculator Retirement readinessRetirement Savings CalculatorCompare projected savings with an income goal and estimated gap.View Calculator IRA planningIRA CalculatorCompare Roth IRA and Traditional IRA growth and tax treatment.View Calculator Retirement incomeRetirement Withdrawal CalculatorModel withdrawals, inflation and portfolio longevity.View Calculator Financial independenceFIRE CalculatorEstimate FIRE number, savings rate and years to financial independence.View Calculator Savings supportEmergency Fund CalculatorEstimate cash reserve target, gap and funding timeline.View Calculator

401(k) basics

A 401(k) is a workplace retirement plan funded by employee salary deferrals and, where offered, employer contributions. Contributions, plan fees, investment returns, tax treatment and vesting rules all affect the final result.

Employer match explained

Employer match is compensation tied to your own contribution. Missing a match can mean leaving part of the offered benefit unused, but plan formulas and vesting rules vary.

Retirement savings targets

A retirement target should connect current age, retirement age, current savings, savings rate, desired income, inflation and return assumptions. A single account balance alone is not enough.

IRA overview

Roth and Traditional IRAs differ mainly in tax timing. Contribution limits, catch-up contributions, deduction rules and income limits should be checked against IRS guidance.

FIRE planning

Financial independence planning focuses on annual expenses, savings rate, current invested assets and withdrawal-rate assumptions. Small changes in expenses or savings rate can change the timeline materially.

Withdrawal planning

Withdrawal planning starts after accumulation. It tests how long a portfolio may last when withdrawals rise with inflation and returns are uncertain.

Inflation impact

Inflation reduces purchasing power. Retirement targets should distinguish today's dollars from future dollars, especially for long planning horizons.

Common retirement mistakes

Mistake	Why it matters	Helpful tool
Ignoring employer match	Can miss compensation available through the plan	Employer 401(k) Match
Using one return assumption	Market outcomes vary	Retirement Savings
No cash reserve	May force early retirement withdrawals	Emergency Fund
Skipping withdrawal planning	Balance does not show spending durability	Retirement Withdrawal

Frequently asked questions

Are these investment recommendations?

No. They are educational calculators using assumptions you enter.

Which calculator should I use first?

Use 401(k) or employer match for workplace plans, retirement savings for readiness, IRA for Roth vs Traditional comparison, FIRE for early retirement and withdrawal for retirement income durability.

Where does emergency fund fit?

Emergency fund belongs primarily in Savings/Investing, but it is linked here because cash reserves can protect retirement accounts from early withdrawals.