Retirement Calculators (2026)

A common rule of thumb: save 15% of your pre-tax income annually, including any employer match. By age 30, aim to have 1× your salary saved. By 40: 3×. By 50: 6×. By 60: 8×. By 67: 10×. These are guidelines — use our Retirement Savings Calculator for a personalized projection.

Choose Roth if you expect to be in a higher tax bracket in retirement (pay taxes now at a lower rate). Choose Traditional if you want a tax break now and expect lower income in retirement. Roth IRA offers tax-free withdrawals, no RMDs, and more flexibility. For most young professionals, Roth is the better choice. Use our Roth vs Traditional IRA Calculator to compare.

The 4% rule states you can withdraw 4% of your retirement savings in the first year, then adjust for inflation each year, with a high probability your savings will last 30+ years. On a $1M portfolio: $40,000/year. This includes Social Security and other income sources. The rule is a guideline — actual withdrawal rates depend on market conditions.

A 529 plan is a tax-advantaged savings account for education expenses. Contributions grow tax-free, and withdrawals for qualified expenses (tuition, room & board, books) are tax-free. State tax deductions vary — some states offer deductions on contributions up to $10,000/year. Funds can be transferred to another family member if unused. Use our College Savings Calculator to plan.