Free retirement and investing calculators
Each calculator shows its formula and the IRS and SSA figures behind it. All of them are free except the ten-year Roth conversion plan, and this year's conversion in the plan is free to calculate. Your numbers never leave your browser.
Retirement withdrawals and income
What you have to take out of an IRA each year, what a lump sum pays as income, and when to file for Social Security.
RMD calculator
This year's required minimum distribution from your balance and age.
Source: IRS Pub. 590-B Uniform Lifetime Table, 2026 figures
Estimate your RMD →Inherited IRA RMD calculator
The RMD on an inherited IRA, the rule that applies, and your 10-year deadline.
Source: IRS Pub. 590-B Single Life Expectancy Table and TD 10001, final RMD regulations, 2026 figures
Check your inherited IRA RMD →Annuity calculator
Monthly income a lump sum buys over a set period, and the taxable share.
Source: IRS Pub. 939, 2026 figures
Price an annuity →Social Security claiming plan
Paid planThe filing age that pays the most lifetime benefits, for one person or a couple.
Source: SSA benefit reduction by age, SSA delayed retirement credits, and SSA spouse's benefits, 2026 figures
Build a claiming plan →
Saving and investing
What a CD pays, what a dividend holding grows to, and what a brokerage bonus keeps.
CD calculator
What a CD pays at maturity, its APY, and what an early withdrawal costs.
Source: FDIC deposit insurance rules, 2026 figures
Price a CD →Dividend calculator
Income from a holding now, and what it grows to with dividends reinvested.
Source: IRS Rev. Proc. 2025-32, 2026 figures
Project your dividends →Brokerage account bonus calculator
What a brokerage bonus keeps after holds, clawbacks and fees, and the best order to take offers.
Source: E*TRADE, J.P. Morgan, Public, Robinhood, tastytrade, E*TRADE, TradeStation, Merrill, Betterment, Public, and Robinhood, 2026 figures
Rank the bonuses →Savings account bonus calculator
Whether a savings bonus beats a better rate on your balance, and which account pays most right now.
Source: EverBank, Happen Bank, Openbank by Santander, CIT Bank, BrioDirect, Wealthfront, Marcus by Goldman Sachs, Betterment, Vio Bank, SoFi, Ally, Capital One, E*TRADE Premium Savings, Chase Savings, and Capital One 360 Performance Savings, 2026 figures
Compare rates and bonuses →Checking account bonus finder
Which checking bonuses your paycheck can cover and what you net after fees and deadlines.
Source: Chase Total Checking, Chase Total Checking, lower-deposit offer, SoFi Checking and Savings, Bank of America Advantage Banking, U.S. Bank Smartly Checking, Citi Regular Checking, Capital One 360 Checking, Wells Fargo Everyday Checking, Huntington Perks Checking, Huntington Platinum Perks Checking, PNC Virtual Wallet, KeyBank Smart or Select Checking, and BMO Smart Money, Smart Advantage or Relationship Checking, 2026 figures
Plan your paycheck →Credit card bonus calculator
What a card welcome offer nets after the fee, and whether your spending can earn it.
Source: Chase Sapphire Preferred, Capital One Venture Rewards, American Express Gold Card, Chase Sapphire Reserve, Bank of America Premium Rewards, Wells Fargo Autograph, Chase Freedom Flex, Chase Freedom Unlimited, Capital One Savor, Bank of America Customized Cash Rewards, and Discover it Cash Back, 2026 figures
Value a welcome offer →
Guides behind these calculators
- 8 best high-yield savings accounts for 2026
- 5 best brokerage accounts for 2026
- Vanguard review: Is it worth it in 2026?
- Schwab vs Fidelity for investing and your IRA in 2026
- Public vs Robinhood for investing and your IRA in 2026
- The 5 best apps for free stocks in 2026
- 6 best places to roll over a 401(k) for 2026
Roth conversions
The tax on moving pre-tax money to a Roth this year, and a plan for the next ten.
Roth conversion calculator
Federal tax on a Roth conversion, the pro-rata split, and your break-even rate.
Source: IRS Rev. Proc. 2025-32, 2026 figures
Price a conversion →Roth conversion plan
Paid planHow much to convert each year to fill your bracket, with state tax and IRMAA.
Source: IRS Rev. Proc. 2025-32 and CMS 2026 Medicare premiums, 2026 figures
Build a conversion plan →
Guides behind these calculators
Plan for retirement
How much you need, what your 401(k) grows to, and when you can stop saving.
Retirement calculator
The balance you need at retirement, your gap, and the saving that closes it.
Source: SSA 2026 COLA fact sheet and IRS Notice 2025-67, 2026 figures
Check your retirement number →401(k) calculator
Your 401(k) balance at retirement from deferrals and employer match.
Source: IRS Notice 2025-67, 2026 figures
Project your 401(k) →Coast FIRE calculator
The balance that grows into your retirement target with no new saving.
Source: IRS Notice 2025-67, 2026 figures
Find your Coast FIRE number →
Frequently asked questions
Where do the calculator figures come from?
Every limit, table, and threshold comes from a primary source: the IRS, the SSA, CMS, or the FDIC. Each card above names the document and the tax year, and each calculator page lists its sources and shows the formula it uses.
When are the figures updated?
Tweed updates a calculator when the IRS, the SSA, or CMS publishes the next year's figures. Each calculator page shows the date it was last updated.
Is this financial or tax advice?
No. The calculators give estimates from the published rules and the numbers you enter. Nicolas Straut, who builds them, is a personal finance writer. He isn't a financial advisor or a CPA. For a decision with real tax at stake, check the result with a professional.
Do my numbers leave my browser?
No. Your numbers never leave your browser. The calculators run on the page itself, and nothing you type is sent to Tweed.