Retirement Drawdown Calculator
See how long your retirement savings may last at your planned spending and investment growth.
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Free financial calculators
Free financial calculators
Thirty-six focused calculators for retirement, taxes, income, saving, and debt — each one gives you a clear answer in seconds. No sign-up, no tracking, and everything runs entirely in your browser.
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Retirement planning
8 calculatorsFigure out when you can retire, how long your savings last, and how the government's rules reshape your income.
FIRE Number Calculator
Find the savings target that could make work optional, using your spending and a safety margin.
Open calculatorSocial Security Claiming Age Calculator
Compare claiming at 62, full retirement age, or 70 and find your break-even.
Open calculatorRMD Calculator
See when required retirement-account withdrawals start and how much they may be each year.
Open calculator401(k) Contribution Calculator
Find the contribution percent that captures your full employer match — and the free money you're missing.
Open calculatorSocial Security Break-Even Calculator
Compare two claiming ages and find when the larger check catches up with the smaller one.
Open calculatorAnnuity Payout Calculator
Turn a lump sum into estimated monthly income and compare fixed-term payments with payments for life.
Open calculatorRetirement Savings by Age Calculator
Compare your savings to salary-multiple benchmarks by age and see whether you are on track.
Open calculatorTaxes & income
7 calculatorsKeep more of what you earn and save — size up your paycheck, fill tax-advantaged accounts, order your withdrawals, and see the surcharges that hide in the tax code.
Tax-Aware Withdrawal Calculator
Choose an order for withdrawals from investment and retirement accounts to help reduce lifetime taxes.
Open calculatorRoth Conversion Calculator
See whether filling a tax bracket with conversions today beats paying later.
Open calculatorRoth vs Traditional 401(k) Calculator
Compare the after-tax retirement value of each and see which 401(k) wins for your tax rates.
Open calculatorCapital Gains Tax Calculator
Estimate federal tax on your short- and long-term investment gains.
Open calculatorMedicare IRMAA Calculator
Check whether your income triggers Medicare Part B and D premium surcharges.
Open calculatorIRA & 401(k) Withdrawal Tax Calculator
Enter a withdrawal, your age and your other income to see the federal tax, the 10% early-withdrawal penalty, and the cash you actually keep.
Open calculatorTake-Home Pay Calculator
Estimate your 2026 paycheck after federal tax, Social Security, Medicare, 401(k), and Health Savings Account contributions.
Open calculatorHealth Savings Account (HSA) Contribution Calculator
See how much more you can put into your Health Savings Account in 2026 and the tax it may save.
Open calculatorSaving & debt
14 calculatorsBuild the balance in the first place — track your savings rate, watch compounding work, size your safety net, save for college, weigh renting against buying, and knock out debt faster.
Compound Growth Calculator
See how a starting amount plus monthly contributions compound over time.
Open calculatorSavings Rate & Financial Independence Calculator
Find your true savings rate and how many years it buys until financial independence.
Open calculatorMortgage Payoff Calculator
See how extra payments shrink your mortgage term and total interest paid.
Open calculatorRent vs. Buy Calculator
Compare the full cost of renting and buying a home, with a verdict and the year one option pulls ahead.
Open calculatorDebt Payoff Calculator
Compare the snowball and avalanche methods — payoff date and total interest for each.
Open calculatorEmergency Fund Calculator
Size your safety net from your expenses and situation, and see how long to fund it.
Open calculatorInflation Impact Calculator
See how inflation erodes purchasing power and the future income needed to keep pace.
Open calculator529 College Savings Calculator
Project your college savings against future costs, your funding percentage, and the monthly amount needed to fully fund it.
Open calculatorInvestment Fee Impact Calculator
Compare two fund fees and see how many dollars the higher fee could drain over time.
Open calculatorCD Ladder Calculator
Split cash across staggered CDs and see each rung's maturity date and interest earned.
Open calculatorLoan Amortization Calculator
See how each loan payment splits between interest and the amount borrowed, plus what an extra payment saves.
Open calculatorHome Affordability Calculator
See how much house you can afford from your income, debts, and down payment using the 28/36 rule for housing and total debt.
Open calculatorNet Worth Calculator
Add up your assets, subtract your debts, and see your total and liquid net worth.
Open calculatorSavings Goal Calculator
Find the monthly amount to save to reach a target by a chosen date, factoring in your return.
Open calculatorChoosing a planning tool
7 guidesA calculator answers one question. When you are ready to pick software that answers all of them together, these compare the real options — structurally and without quoting anyone's prices. Each one includes a section on who Planomy is not for.
Best Retirement Planning Software
The five shapes of tool in this category, what each is best at, and how to choose in twenty minutes.
Read the guideFree Planner With No Sign-Up
What "no account" means mechanically, and exactly what changes between signed out, a free account and Plus.
Read the guideSpreadsheet vs Planning Software
What you have to build yourself — brackets, RMDs, IRMAA, Monte Carlo — and when it stops being worth maintaining.
Read the guidePlanomy vs Empower Personal Dashboard
Why a dashboard and a projection engine are not substitutes, and when to use one of each.
Read the guidePlanomy vs Boldin (formerly NewRetirement)
Cloud account with human help versus local-first and free — and which of the two trade-offs you actually want.
Read the guidePlanomy vs ProjectionLab
The FIRE shortlist: bridging the years before 59½, Roth conversion ladders and who should be paying a subscription.
Read the guideA Retirement Planner That Works Offline
What keeps working with the network off, what cannot, and a one-minute test for any tool that claims it.
Read the guideThe rules behind the numbers
3 guidesThree of the calculators above hinge on a rule that is easy to get wrong: what your employer's match formula actually pays, how much room an HSA leaves you, and which rate a gain is taxed at. These explain the arithmetic the calculator is doing.
How to Calculate Your 401(k) Employer Match
What "50% of the first 6%" pays on your own salary, the four common formulas, and the per-paycheck trap that ends the match early. Pairs with the 401(k) contribution calculator.
Read the guideHSA Contribution Limits and Rules (2026)
The 2026 limits, why the employer's contribution eats your own room, the last-month rule, and the 20% non-qualified withdrawal tax. Pairs with the HSA contribution calculator.
Read the guideHow Capital Gains Tax Is Calculated
Basis, the one-year holding period, and the stacking rule that decides whether a gain is taxed at 0%, 15% or 20% — plus the 3.8% surtax. Pairs with the capital gains tax calculator.
Read the guide529 plans by state
7 calculatorsThe same college-savings projection, with the state income-tax deduction (or lack of one) that applies where you file.
California 529 Calculator
Project a ScholarShare account against California college costs — and why CA offers no state deduction.
Open calculatorNew York 529 Calculator
Project a New York 529 and see what the $5,000 single or $10,000 joint state deduction is worth.
Open calculatorIllinois 529 Calculator
Project a Bright Start account with the $10,000 single or $20,000 joint Illinois deduction applied.
Open calculatorNew Jersey 529 Calculator
Project an NJBEST account and check the $10,000 deduction against its $200,000 income cap.
Open calculatorOhio 529 Calculator
Project a CollegeAdvantage account with Ohio's $4,000 per-beneficiary deduction and carryforward.
Open calculatorVirginia 529 Calculator
Project an Invest529 account with Virginia's $4,000 per-account deduction and unlimited carryforward.
Open calculatorFlorida 529 Calculator
Project a Florida 529 — no state income tax, so you can pick any state's plan on fees alone.
Open calculatorPut every number in one plan
Planomy turns a single number into a whole plan: a full retirement projection with taxes and Social Security, side-by-side scenarios, and plan-vs-actual tracking as real life happens. Free, private, and running in your browser.
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