Free Retirement & Investing Tools
Free retirement and investing calculators for everyone planning a long financial future — from 22-year-olds starting their first 401(k) to 73-year-olds taking their first RMD. Model your 401(k) balance to retirement with employer match and catch-up contributions, compare Roth vs Traditional IRA after-tax income under your specific bracket assumptions, project compound interest with monthly contributions and inflation-adjusted real returns, calculate Required Minimum Distributions using the IRS Uniform Lifetime Table, and find your Social Security claim-age break-even given your longevity expectations.
Also covers equity compensation: RSU vest withholding gaps and ISO / NQSO stock option tax modeling including AMT. All calculations are pure math grounded in the actual IRC sections and IRS publications — no ad-driven shortcuts. Every tool runs entirely in your browser. Your salary, account balances, vesting schedules, and tax situation never leave your device.
7 free tools available now
Compound Interest Calculator
See the eighth wonder of the world: compound growth with monthly contributions, salary growth, and inflation adjustment
401(k) Calculator with Employer Match
Project your 401(k) balance with employer match, IRS limits, catch-up contributions, and Traditional vs Roth tax modeling
Roth vs Traditional IRA Calculator
Should you contribute to a Roth or Traditional IRA? Fair side-account comparison with LTCG drag
RMD Calculator
Year-by-year Required Minimum Distribution schedule using the IRS Uniform Lifetime Table III
Social Security Break-Even Calculator
When to claim Social Security: 62 vs Full Retirement Age vs 70, with exact break-even ages
RSU Tax Calculator
See the RSU under-withholding gap — supplemental withholding vs your true marginal rate, plus FICA, Medicare, and state
ISO / NQSO Stock Option Tax Calculator
Compare NQSO, ISO qualifying, and ISO disqualifying dispositions side-by-side with AMT modeling
All free retirement & investing tools
Every tool listed below is 100% free, requires no account, and runs entirely in your browser — your data never leaves your device.
📈 Free Compound Interest Calculator
Free compound interest calculator with monthly contributions, salary growth, and inflation-adjusted (real) returns. Year-by-year growth table, CSV export, geometric monthly compounding (the way real markets work). No signup required.
🪙 Free 401(k) Calculator with Employer Match
Free 401(k) calculator with employer match, IRS 2025 contribution limits (including SECURE 2.0 age 60–63 catch-up), Traditional vs Roth tax modeling, and year-by-year projection. Flags "lost match" when you under-contribute. No signup required.
⚖️ Free Roth vs Traditional IRA Calculator
Free Roth vs Traditional IRA calculator using the canonical side-account methodology. Both contribute the same; Traditional invests the tax refund in a taxable account; compare total after-tax wealth at retirement. Wins/loses based on your current vs retirement marginal tax rates. Free to embed on your website. No signup required.
🧓 Free RMD Calculator
Free RMD calculator using the IRS Uniform Lifetime Table III (Pub. 590-B). Year-by-year RMD schedule from age 73 (SECURE 2.0 RBD) through age 100+ with tax estimation. Free to embed on your website. No signup required.
👴 Free Social Security Break-Even Calculator
Free Social Security break-even calculator comparing claim ages 62, FRA (66–67), and 70 with statutory reduction and delayed retirement credit factors per SSA POMS RS 00615. Free to embed on your website. No signup required.
💼 Free RSU Tax Calculator
Free RSU tax calculator showing federal supplemental withholding gap vs true marginal rate, FICA (with SS wage base), Medicare + 0.9% Additional Medicare, and state withholding. Estimates year-end true-up. No signup required.
📊 Free ISO / NQSO Stock Option Tax Calculator
Free ISO and NQSO stock option tax calculator. Side-by-side comparison of NQSO exercise & sell, ISO qualifying disposition (with AMT), and ISO disqualifying disposition. 2025 AMT exemption included. No signup required.