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Smart Invest Life
Updated for 2026

Saving for retirement and spending it

Retirement Calculators for 401(k), Social Security, RMDs and IRAs

Cover both halves of retirement: saving for it and spending it. Project your 401(k) with an employer match, compare Social Security claiming ages, and see how big your required minimum distributions will be.

All Retirement Calculators

7 Calculators
Saving + Withdrawing

Retirement Calculator

See if your savings will last. Enter your age, savings, contributions and Social Security to project your nest egg and the monthly income it can support.

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Employer Match + IRS Limits

401(k) Calculator

Estimate your 401(k) balance at retirement from your contributions, employer match, raises and returns, using the 2026 IRS limits including catch-up.

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SSA Benefit Formula

Social Security Calculator

A rough estimate of your monthly Social Security benefit if you claim at 62, 67 or 70. Your statement at ssa.gov has your real number.

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IRS Pub 590-B Table III

RMD Calculator

Find your 2026 required minimum distribution (RMD) from the IRS Uniform Lifetime Table, plus the next 15 years for your IRA or 401(k).

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Roth IRA Calculator

Compare a Roth IRA with a Traditional IRA using your tax rate today and in retirement, and see which leaves you with more after taxes.

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Annuity Calculator

See how much monthly income a lump sum can pay over a set number of years at the rate you choose, plus the total paid and interest earned.

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Advisor Value Calculator

Estimate what a financial advisor fee might cost or add to your portfolio over time. You set the extra return and the fee.

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