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.