Free Retirement Calculators
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Retirement Savings Calculator
Project how your savings may grow over time with monthly contributions and compound interest.
The average American has about $88,400 saved for retirement. Are you on track?
401(k) Growth Calculator
See how your contributions and employer match compound over 10, 20, or 30+ years.
The 2026 401(k) contribution limit is $23,500 ($31,000 with catch-up contributions for 50+).
Social Security Benefits Estimator
Compare monthly benefits at every claiming age from 62 to 70 based on SSA formulas.
Delaying Social Security from 62 to 70 can increase your benefit by up to 77%.
Retirement Withdrawal Calculator
Model how long your savings will last using the 4% rule with inflation adjustments.
The "4% rule" suggests withdrawing 4% of savings annually, adjusted for inflation each year.
Fee Impact Calculator
See how investment fees erode your returns over decades. Compare low-fee vs high-fee scenarios.
A 1% fee difference on $500,000 costs roughly $5,000 per year in direct fees alone.
These calculators provide estimates based on simplified assumptions. Actual investment returns, tax situations, and retirement outcomes will vary. RetireGrader is not a financial advisor or fiduciary. Consult a qualified financial advisor for personalized retirement planning.