401(k) and Social Security calculators
The decisions that quietly move your retirement by six figures: taking the full match, choosing Roth or traditional, and when to claim.
Calculators
401(k) match calculator
Your employer match is the best return you will ever get. See what you receive, what you are missing, and what it grows into.
Example result
$1,600 a year in free money
Full match available: $2,400
Try your numbersRoth vs traditional 401(k) calculator
Same take-home cost, two tax deals. See which one leaves you more to spend in retirement, and by how much.
Example result
Traditional comes out ahead by $39,185
Traditional, after tax: $475,814
Try your numbersSocial Security break-even calculator
Claim early and get smaller checks for longer, or wait and get bigger ones. See the age where waiting starts to pay off.
Example result
Claiming at 70 pays the most to 85
If you claim at 62: $1,400/mo
Try your numbersThree decisions worth six figures
Take the full match. A 50% match on the first 6% of an $80,000 salary is $2,400 a year. Skipping a third of it costs tens of thousands by retirement.
Pick Roth or traditional on purpose. The account that wins is the one taxed at your lower rate: today's for Roth, retirement's for traditional.
Claim Social Security at the right age. Waiting from 62 to 70 raises your check by about 77% for life, and pays off if you live past about 80.
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FIRE
Retirement income