Retirement & Financial Calculators

Financial Calculators

Browse MyPlanIQ calculators by topic. This page organizes retirement, 401(k), tax, investing, debt, and personal finance tools in one place.

Retirement Planning

Plan for retirement income, spending, savings, and long-term independence with calculators focused on accumulation and drawdown.

Retirement Savings Tracker

Monitor your savings progress and estimate what your retirement income could look like.

Retirement Calculator

Estimate how much you can save for retirement over time.

Retirement Savings by Age Calculator

See how your retirement savings compare with age-based benchmarks.

Monte Carlo Retirement Simulator

Stress test your retirement plan across many market scenarios.

FIRE Calculator

Estimate how much you need to reach financial independence and retire early.

Retirement Spending Calculator

See how common withdrawal rules would have worked historically.

Retirement Withdrawal Calculator

Model annual retirement withdrawals and inflation-adjusted spending.

Retirement Withdrawal Optimal Calculator

Explore more sustainable withdrawal approaches for retirement income.

Retirement Pension Value Calculator

Estimate the lump-sum value of a pension income stream.

Annuity Income Payout vs. Invest & Withdraw Calculator

Compare guaranteed annuity income with a self-managed withdrawal strategy.

401(k) & Workplace Plans

These tools focus on employer plans, contribution strategy, match optimization, and common workplace retirement decisions.

401(k) Calculator

See how much you can accumulate in a retirement plan.

401(k) Employer Match Calculator

Estimate the value of your employer match and how much to contribute.

401(k) Withdrawal Calculator

Understand taxes and penalties when withdrawing from a 401(k).

401(k) Early Withdrawal Cost Calculator

See the true cost of taking money out too early.

Traditional 401(k) vs. Roth 401(k) Calculator

Compare pre-tax and Roth 401(k) strategies.

Solo 401(k) Maximum Contribution Calculator

Calculate your maximum Solo 401(k) contribution.

Mega Backdoor Roth Calculator

Estimate how much after-tax money you can move into Roth.

Tax, Roth & IRA

Use these calculators to think through Roth conversions, tax-advantaged accounts, required distributions, and equity compensation.

Backdoor Roth IRA Pro-Rata Conversion Calculator

Estimate the tax-free and taxable portions of a Roth conversion.

Roth Conversion Glidepath Calculator

Plan a multi-year Roth conversion strategy to manage taxes.

Required Minimum Distribution (RMD) Calculator

Estimate your required IRA or 401(k) minimum distributions.

529 Plan Tax Savings Calculator

Estimate state tax savings and tax-free growth from 529 contributions.

HSA Savings Calculator

See how an HSA can boost long-term tax savings.

RSU Calculator

Estimate vesting value, taxes, and after-tax proceeds for RSUs.

ESPP Tax & Cost Basis Calculator

Calculate ESPP taxes, discount impact, and cost basis.

Investment & Portfolio Analysis

These calculators help compare returns, test portfolio ideas, estimate dividend income, and evaluate asset allocation and placement.

Portfolio Calculator (Simulator)

Backtest a portfolio and review historical return and risk metrics.

Asset Allocation Calculator

Get a target stock and bond mix based on your goals and risk tolerance.

Customize Allocation Portfolios

Build a custom portfolio using strategic or tactical allocation ideas.

Investment Calculator

See the long-term power of compounding on investments.

Investment Fee Impact Calculator

Measure how fees can reduce portfolio growth over time.

Dollar Cost Average Calculator

Analyze how recurring investments would have performed.

Dividend Calculator for Stocks, ETFs, and Mutual Funds

Estimate dividend income and yield from your holdings.

Return Comparison Calculator

Compare historical returns of stocks, funds, or portfolios side by side.

Rolling Return Comparison Calculator

Compare rolling returns to see how performance held up across time periods.

Gold vs. Stock Return Calculator

Compare long-term returns of gold and the S&P 500.

I-Bond Calculator

Estimate I-Bond interest using current and historical composite rates.

I-Bond Comparison Calculator

Compare I-Bonds with other fixed income choices.

Asset Location Calculator

See which assets may fit better in taxable and tax-advantaged accounts.

Oil Price Impact Calculator

Explore how oil price changes can affect investments and inflation-sensitive assets.

Savings, Budgeting & Debt

Use these tools for savings goals, budgeting, and deciding how to prioritize debt repayment versus investing.

Personal Finance & Compensation

These calculators cover broader financial planning choices such as housing and total employment compensation.

Total Compensation Calculator

Estimate total pay including salary, bonus, equity, and benefits.

House Rent vs. Buy Calculator

Compare the long-term cost of renting versus buying a home.