Calculators & Tools Calculators and tools to help you and your employees with the most critical computations of all — personal salary, retirement, savings, and investment decisions.

Retirement Calculators & Tools

Calculators to help you plan to get the most out of your 401(k) and retirement.

  • 401(k) Contribution Calculator
    We all know we should be contributing as much as we possibly can to our 401(k). There's really no excuse not to. No matter how well you do with your other investments, you're unlikely to beat the 401(k)'s advantages of tax-deferred growth and a company match. The bottom line: Max out.
  • Time Value Calculator
    Calculate the value of compound returns for different time periods and rates of return to understand the value of long-term savings.
  • Asset Allocation Profiler
    What May Be the Best Asset Allocation for You?

    How you allocate your investments among the principal asset classes - stocks, bonds, and money market instruments - can play a major role in your investment performance as well as your success in achieving investment goals. An appropriate asset allocation takes into consideration your investment time frame, objectives, risk tolerance, and personal financial considerations.
  • Choosing Your Annual Withdrawal Rate
    One of the most critical decisions faced by retirees when mapping out a retirement income plan is how much to withdraw from savings each year in retirement. Too high a rate and you risk outliving your savings. Too low a rate and you may not have enough to make ends meet.
  • Borrowing from Your 401(k)
    Many 401(k) plans allow you to borrow from your account balance, letting you repay the loan through automatic, after-tax payroll deductions. Borrowing from your 401(k) plan has certain advantages, but it also poses drawbacks--loan balances must be paid off in five years and if you leave your job, you may be required to pay back the full balance within a short-time frame or pay penalties and taxes. Most important, borrowing from your 401(k) can significantly reduce your retirement savings nest egg.

Payroll Calculators

Payroll calculator tools to help with personal salary, retirement, and investment calculations.

  • Salary Paycheck Calculator
    How much are your wages after taxes? This powerful tool does all the gross-to-net calculations to estimate take-home (net) pay in any part of the United States.
  • Hourly Paycheck Calculator
    Enter up to six different hourly rates to estimate after-tax wages for hourly employees.
  • Gross Pay Calculator
    Plug in the amount of money you'd like to take home each pay period and this calculator will tell you what your before-tax earnings need to be.
  • 401(k) Planner
    Estimate the future value of retirement savings based on the interest rate, contribution amount, and current balance. Adjust the variables to see how the changes affect your savings goal
  • 403(b) Planner
    If you are an employee of a non-profit organization, calculate how much of your income you should defer through your organization's 403(b) plan to prepare for retirement.
  • Employee Stock Option Calculator
    Estimate the after-tax value of non-qualified stock options — before cashing them in. Locate current stock prices by entering the ticker symbol.

Paycard Savings Calculator

Calculator to determine cost savings realized from a paycard program.