Financial Planning, Simplified
Retirement & Savings Tools
Free, no-sign-up calculators to help you figure out how much to save, how your money grows, and when you can stop working.
Choose Your Tool
Retirement Planning
Savings Basics
Tax & Growth
Guides & Deep Dives
How Much Should I Have Saved by Age?Simple retirement savings benchmarks by age 30, 40, 50
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How Much Emergency Fund Do I Need?The 3–6 month rule explained, with real examples
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Is a 401(k) Worth It?Pros & cons — when to max it out, when to skip it
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2026 Retirement Contribution Limits401(k), IRA, HSA, and catch-up limits — the complete annual guide
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The Complete Beginner's Guide to FIREFinancial Independence, Retire Early — the math, the flavors, and how to start
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How to Maximize Social SecurityWhen to claim, spousal benefits, and the break-even age explained
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Frequently Asked Questions
Are these calculators really free?
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Yes, 100% free. No sign-up, no credit card, no trial period. Every calculator on this site runs entirely in your browser — there's no backend to pay for, so we don't charge you.
Is my data safe? Do you store my inputs?
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Yes, your data is completely private. All calculations happen in your browser using JavaScript — nothing you type is sent to or stored on our servers. You can disconnect from the internet and the calculators will still work.
Do I need to register or create an account?
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No. No account, no login, no email required. Just open the calculator, type in your numbers, and get your answer. We don't want your data — we just want to help you plan.
Are these results accurate? Should I trust them?
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These calculators use standard financial formulas and historically average assumptions (like 7% annual return, 3% inflation). They're excellent for planning and ballpark estimates, but they're not personalized financial advice. For major decisions, consult a qualified financial advisor.
Can I use these on my phone?
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Yes, the site is fully mobile-responsive. Open it in any phone browser and it'll automatically adjust to fit your screen. No app needed.
Why these tools exist
Most people have no idea if they're saving enough for retirement. Financial advisors want 1% of your assets to tell you. Banks want to sell you products. We just want to give you clear, fast numbers — no login, no sales pitch, no catch.
Every calculator on this site is free, runs in your browser, and doesn't store your data. New tools are added regularly — bookmark this page and check back.
These calculators provide estimates for general guidance only and are not financial, tax, or investment advice. Actual returns, tax brackets, and benefit amounts depend on your personal situation, market performance, and future law changes. Always consult a qualified financial professional before making major decisions.