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.

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.