Retirement Drawdown Calculator
See how many years your savings last at your planned annual spending and return.
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Free financial calculators
Free financial calculators
Twenty-nine 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 nest egg you need to retire early using the 4% safe-withdrawal rule.
Open calculatorSocial Security Claiming Age Calculator
Compare claiming at 62, full retirement age, or 70 and find your break-even.
Open calculatorRMD Calculator
Find your Required Minimum Distribution start age and year-by-year amounts.
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 the break-even age where waiting overtakes claiming early.
Open calculatorAnnuity Payout Calculator
Turn a premium into estimated monthly income and compare period-certain against life-expectancy payouts.
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
Order withdrawals across taxable, tax-deferred, and Roth accounts to cut 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 calculatorTake-Home Pay Calculator
Estimate your 2026 paycheck after federal tax, FICA, 401(k), and HSA — per check and per year.
Open calculatorHSA Contribution Calculator
See your 2026 HSA contribution room after employer money and the tax it saves.
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 & FI 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 breakeven year.
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 529 against future college costs, your funding percentage, and the monthly savings to fully fund.
Open calculatorInvestment Fee Impact Calculator
Compare two expense ratios and see the total dollars a higher fund fee drains 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 your monthly payment, total interest, payoff date, and 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.
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 calculatorPut every number in one plan
These calculators each answer one question. Planomy ties them together — taxes, retirement accounts, Social Security, and plan-vs-actual tracking — free, private, and running entirely in your browser.
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