Calculators and tools ADP offers a set of helpful calculators and tools to engage your workforce and help them with important financial decisions.

Retirement Calculators and tools

Inform your decisions, explore your options and find ways to get the most from your 401(k)

  • 401(k) Contribution Calculator
    Contributing to your workplace 401(k) is one of the best investment decisions you can make. You’ll be taking advantage of dollar-cost averaging, tax-deferred growth, and a possible company match. See what happens when you increase your contributions.
  • Growing Your Investment
    By saving even a little bit on a consistent basis, your money can grow substantially over time. This calculator helps you estimate the earnings potential of your contributions, based on the amount you invest and the expected rate of annual return.
  • Personal Investor Profile
    Download this questionnaire which helps to determine your investor profile. Questions about lifestyle, personality, risk tolerance, when you want to retire, and other financial considerations are helpful in charting a plan and making decisions.
  • Withdrawals in Retirement
    Understand the impact that annual withdrawals may have on your retirement savings. This calculator estimates how long your retirement savings can last based on its starting value, your desired monthly income, and any social security benefit or outside income you may have.
  • Borrowing From Your Retirement Plan
    Borrowing from your savings may provide a near-term solution that could negatively impact investment growth over time, cost you in loan fees, or result in a taxable event should you leave your employer before repaying the loan. Understand the impact of taking out a loan on your 401(k).

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.

Paycard Savings Calculator

Calculator to determine cost savings realized from a paycard program.