Free financial tools
Savings & Retirement Calculators
Plan contributions, project growth and see whether you are on track — with numbers you can verify.Browse by need
Find the right calculator
Compound Interest
See how your money grows when interest earns interest.
Open calculatorInvestment Growth
Project a portfolio's value across rates and time horizons.
Inflation Impact
Understand what tomorrow's money is worth in today's terms.
Savings Goal
Find the monthly contribution that hits your target on time.
Open calculatorEmergency Fund
Size a safety net based on your essential monthly costs.
Open calculatorCD Calculator
Compare certificate yields, terms and early-withdrawal costs.
Retirement Income
Estimate how long your nest egg lasts after you stop working.
Open calculator401(k) Calculator
Project balances with contributions, match and growth.
FIRE Calculator
Find the number that makes work optional, then track it.
Retirement Withdrawal
Test safe withdrawal rates across different lifespans.
Make a clearer decision
How to use savings calculators well
Savings calculators work best when they are anchored to a specific goal. An emergency fund target is usually three to six months of essential expenses; a down payment has a date attached to it; retirement has both a date and an income need. Start with the goal, then let the calculator translate it into a monthly contribution you can act on.
Compound interest rewards time more than timing. Small differences in assumed annual return create large differences over decades, so run each projection at two or three rates — conservative, expected and optimistic — and treat the range as the answer rather than any single number.
For retirement, combine tools: a 401(k) calculator for accumulation, a withdrawal calculator for the drawdown years, and an inflation view to keep the plan honest. Employer match and contribution limits change periodically, so revisit the numbers each year or when your situation changes.
These calculators are planning aids, not investment advice. Real returns vary, and taxes depend on account types and your circumstances. Use the results to set direction and discuss specifics with a qualified professional.