Retirement
Capital needed, withdrawal rates and how long a pot lasts under a given drawdown plan. 11 tools, including Annuity Payout Calculator, 401(k) employer match calculator, FIRE calculator (financial independence) and FIRE number calculator. All free, with no account and nothing to install.
Annuity Payout CalculatorSolves any of the three questions a pot of capital raises: how long it lasts at a given withdrawal, how much you can withdraw for a chosen number of years, or how much principal a target income needs. Prints the full depletion schedule and restates every figure in today's money at your inflation rate.401(k) employer match calculatorCompute your employer's 401(k) match and your total yearly contribution.FIRE calculator (financial independence)Your FIRE number is the pot that funds your spending forever at a safe withdrawal rate — annual expenses ÷ SWR (4% → 25×). From your savings, income and expected return it estimates the years, and age, at which you reach it.FIRE number calculatorFind the savings target for financial independence from your annual expenses.Fixed Indexed Annuity (FIA) CalculatorRuns a real index path through the crediting filter in the order the contract applies it — index return × participation rate, then the cap, then the floor — and shows what each stage removed, year by year, beside a plain fixed annuity. Historical S&P 500 paths included; the filter lab traces one sample year through all four stages.Immediate Annuity CalculatorThe payment that exhausts a lump sum exactly over a chosen number of years: PMT = P·r / [1 − (1+r)⁻ⁿ]. Monthly, quarterly or annual, payment at the end or at the start of the period, with the year-by-year balance table and the split between capital returned and interest earned.Present Value of an Annuity Due CalculatorPayments land at the start of each period, so every one of them is discounted one period less: PV(due) = PV(ordinary) × (1 + r). Both figures are shown side by side with the gap in cash, plus the period-by-period discount table that explains where the extra value comes from.Present Value of a Growing Annuity CalculatorPV = C₁/(r−g) · [1 − ((1+g)/(1+r))ⁿ] for payments that grow at a fixed rate. The r = g case is a removable singularity, not an error: the limit is n·C₁/(1+r), and it is computed exactly instead of dividing by zero. Ordinary and due timings, growing perpetuity, and the full payment table.Retirement withdrawal calculator (4% rule)Estimate the yearly and monthly income your retirement savings can provide.Social Security benefits calculatorEstimate your US Social Security retirement benefit. From your birth year the tool finds your full retirement age (FRA), applies the bend-point formula of the year you turn 62 — they are fixed for life at that point — to your average indexed earnings to get the primary insurance amount, then adjusts for filing early (a permanent reduction) or late (delayed-retirement credits of 8% a year to age 70). It projects the monthly benefit and the lifetime total with your expected cost-of-living adjustments.Variable Annuity CalculatorProjects a variable annuity through accumulation and payout with a stock/bond allocation, three market scenarios and — the part the brochure leaves out — the full fee stack: mortality & expense, administration, fund expense and any rider, compounded every year. The same projection is drawn with and without fees so the gap is a number, not a footnote.