Retirement & 401k Calculator

Looking for a free retirement calculator with no bank login? The Retirement & 401k Calculator is your personal retirement calculator, retirement planner and investment calculator — 100% private math that runs offline on your device.

Retirement & 401k calculator keeps your net worth and retirement assets strictly on your phone. No account syncing. No data harvesting. Retirement planning that stays private.

Answers to your retirement questions
• How much do I need to retire?
• Am I on track to retire at 65 — or any age I choose?
• How much will my 401(k) be worth at retirement?
• How much free money is my employer match adding?
• Can I retire early? (FIRE calculator & early retirement planning)
• How much monthly retirement income will my savings pay me?
• How do compound interest and inflation-adjusted growth change my balance?
• What if I save $100 or $200 more per month?
• How much of my gap will Social Security cover? (Social Security calculator & Social Security estimator built in)
• 401k, IRA or Roth IRA — which grows more? (Roth IRA calculator, traditional & rollover IRA inside)

Who this retirement planner is made for
• Young savers (25–35) — open a first 401(k) or Roth IRA and let the compound interest calculator show what a head start is worth.
• Mid-career employees (35–50) — run the 401k contribution calculator to capture every dollar of tiered employer match.
• FIRE followers — FIRE calculator plus drawdown simulator for early retirement targets and safe withdrawal paths.
• Near-retirees (50+) — retirement income analysis: monthly retirement income from savings plus Social Security, inflation-adjusted.
• Pension, annuity & TSP holders — pension calculator support: add those balances to your retirement savings analysis.
• Privacy-first users — retirement calculator no bank login, retirement calculator offline: every calculation runs on-device.

Inside the app
• Visual compound interest calculator — interactive growth chart + year-by-year table
• Precision 401k contribution calculator with tiered "match up to X%" rules
• Retirement savings analysis & retirement income analysis in one view
• Social Security estimator with monthly amount toggle
• 4% safe withdrawal rule for exact monthly retirement income
• Gap closing: how much more to save per month, or how long to delay retirement
• "Adjust & compare scenarios" — save up to 3 retirement plans side-by-side
• Date of retirement calculator — pick any age 50–80 and see the path
• PDF export & email share of your full retirement plan

100% PRIVATE. NO BANK LOGINS. NO ACCOUNT SYNCING.
Free to download. The private retirement calculator app for US workers. Get Lifetime PRO — pay once: ad-free, unlimited saves & exports.

Recent changes:
New: Export your retirement report as a PDF or share it by email.
New: Lifetime PRO — pay once, enjoy forever (no ads, unlimited everything).
Improved: Faster performance and smoother animations throughout.