Retirement calculators
Each one answers a narrow question with visible assumptions, worked examples, and cited sources. See how we validate. No account required. Meridary puts the same rules in a full year-by-year plan.
Will front-loading my 401(k) cost me employer match?
401(k) Match Calculator2026 IRS limits and your employer's match formula
- Covers
- Two match tiers, paycheck schedules and 2026 regular contribution limits.
- Does not cover
- Catch-up contributions, vesting, bonuses and plan-specific eligibility rules.
How long could my portfolio fund these withdrawals?
Retirement Withdrawal CalculatorUser-selected return, inflation and withdrawal assumptions
- Covers
- Bounded drawdown with inflation, constant returns and explicit spending shortfalls.
- Does not cover
- Market sequences, tax calculation, RMDs and other income.
Which 401(k) tax treatment fits my assumed tax rates?
Roth vs Traditional 401(k) Calculator2026 IRS regular deferral limits and selected tax rates
- Covers
- Equal-cost alternatives, taxable surplus and withdrawal tax-rate sensitivity.
- Does not cover
- Catch-up contributions, employer match, inflation and changing tax brackets.
What changes if I switch to part-time before retiring?
Barista FIRE CalculatorUser-selected income, spending, return and inflation assumptions
- Covers
- Three work phases, healthcare spending and a same-retirement-age comparison.
- Does not cover
- Income taxes, benefits eligibility, account rules and market uncertainty.
What could my savings grow to after fees and inflation?
Compound Interest CalculatorCompound-growth formulas and user-selected assumptions
- Covers
- Deposit timing, deposit and compounding frequencies, fees and real-dollar balances.
- Does not cover
- Taxes, variable returns, contribution limits and withdrawals.
When could I retire, and what would one more year change?
When Can I Retire? CalculatorSSA claiming-age rules and user-selected return, inflation and tax assumptions
- Covers
- Side-by-side retirement ages, Social Security claim age, a flat tax share, an age-60 account-access gate and one market stress test.
- Does not cover
- Tax brackets, Monte Carlo paths, a spouse's Social Security and survivor benefits.
What will I spend in retirement, and when could that let me retire?
Retirement Budget CalculatorUser-selected return and inflation assumptions
- Covers
- Phase-based spending, debt payoff, one-time costs, and a deterministic retirement-age estimate.
- Does not cover
- Income tax, market paths, multiple Social Security benefits, and account types.
Have I reached my Coast FIRE number?
Coast FIRE CalculatorUser-selected return and withdrawal assumptions
- Covers
- A transparent, inflation-adjusted compound-growth milestone in today's dollars.
- Does not cover
- Taxes, fees, new contributions, and market-sequence risk.
When does delaying Social Security break even?
Social Security Break-Even CalculatorYour official Social Security benefit estimates
- Covers
- Two same-dollar-basis monthly estimates from age 62 through age 70.
- Does not cover
- Taxes, investment returns, COLAs, spouse, and survivor effects.
- Covers
- Owner RMDs using the IRS Uniform Lifetime Table.
- Does not cover
- Inherited accounts and the younger-spouse Joint Life table.
What federal tax would a Roth conversion add?
Roth Conversion Tax CalculatorIRS Revenue Procedure 2025-32
- Covers
- 2026 federal brackets for single and joint filers.
- Does not cover
- State tax, IRMAA, NIIT, and Social Security interactions.
- Covers
- RMD and fixed-amortization SEPP methods.
- Does not cover
- Fixed annuitization and plan-specific administration.
- Covers
- 2026 Part B and Part D amounts using 2024 MAGI.
- Does not cover
- Married-filing-separately filers who lived with a spouse.
What 2026 marketplace premium tax credit might I receive?
ACA Subsidy CalculatorIRS Revenue Procedure 2025-25
- Covers
- The federal credit using a supplied benchmark silver premium.
- Does not cover
- Alaska, Hawaii, state-specific premiums, and Medicaid eligibility.
Understand the decisions behind the numbers on our retirement planning blog.