These calculators run entirely in your browser: nothing you type is sent anywhere. Each one prints the rule it applies and the statutory figure it uses, with the source. The 2026 limits — $24,500 to a 401(k), $7,500 to an IRA, the $184,500 Social Security wage base — come from IRS Notice 2025-67 and the SSA, and are re-verified each January.
Investing
Compound interest & fee drag
Growth on your assumptions, then the same scenario with an annual fee subtracted.
Fee analyzer
Two fees on identical contributions over the same years, side by side.
Retirement savings calculator
A lump sum plus a monthly contribution to a retirement age, in today's dollars too.
401(k) rollover cost comparison
Annual cost where the money is versus in an IRA, and what a cash-out withholds.
Retirement decisions
Roth conversion estimator
Convert or don't, compared after tax at your rate today and your rate later.
RMD estimator
This year's required distribution from the IRS Uniform Lifetime Table.
Social Security breakeven
Two claiming ages, month by month to 100, and where the totals cross.
California take-home pay
Federal, state, FICA and SDI on a paycheck — and what a 401(k) contribution really costs.
Pensions
CalPERS benefit estimator
Service credit × benefit factor × final compensation.
CalSTRS benefit estimator
The Defined Benefit formula at your age factor.
Business owners
CalSavers vs 401(k) cost
On your headcount: what each costs the business and what the owner can save.
SECURE 2.0 tax credits
The §45E startup credit and the §45T auto-enrolment credit, three years running.
Plan cost estimator
Admin, match, credits, net — the first year of sponsoring a plan.
Self-employed plan chooser
Solo 401(k), SEP, SIMPLE and IRA ceilings on your net profit or W-2 wages.
Irregular-income planner
A percentage-of-deposit savings rule for income that arrives unevenly.
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