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Calculators

Please note: These calculators are designed for your personal use. Your retirement plan may not have features related to some of the calculators on this page.

Saving calculators

  • Managing your monthly budget

    You want to save more, but where can you find the money to put away? This tool can help you analyze your current spending and possibly find ways to save more. It can also help provide general spending guidelines by category as a percentage of your monthly income.

  • Emergency savings

    Do you have enough in savings to cover a minor emergency or bridge the gap caused by a job loss? Use this calculator to determine how much is suggested for your emergency fund.

Spending calculators

  • Your retirement lifestyle

    Calculate approximately what percentage of your current income you’ll need in retirement to cover your desired retirement lifestyle.

  • Borrowing from your employer retirement plan

    Thinking about taking a loan from your employer sponsored retirement plan? Before you do, consider the risks and potential costs of doing so with this calculator.

    Please note: Not all plans offer loans. Please refer to your plan rules for more information.

  • Withdrawals before retirement

    Calculate the effects of withdrawing the assets from your retirement savings before reaching retirement.

  • Withdrawals in retirement

    This calculator helps you estimate how much of your savings you can afford to spend in retirement each year based on how long you want your savings to last.

  • Required Minimum Distribution

    Calculate the amount of mandatory withdrawals from IRAs after age 70½ (if you were born before July 1, 1949) or age 72 (if you were born after June 30, 1949).

Planning calculators

  • Retirement planner

    Determine if your savings are on track for retirement. If not, estimate how much you may need to save each year to reach your goal.

  • Pension calculator

    Eligible for a pension? Our pension calculator can help provide you with a high-level estimate of the benefit you may be eligible to receive.

    Please note: Not all plans offer pensions. Please refer to your plan rules for more information.

  • Retirement account rollover

    Determine if a rollover is the right option for you. Explore the options for rolling over your retirement account to another qualified account or cashing out your retirement savings.

  • Pretax vs. Roth analyzer

    Which contribution is right for you, traditional or Roth?

  • Roth conversion analyzer

    Does converting pretax savings to Roth make sense for you? See an estimate of the tax implications of converting to Roth with this calculator.

  • Growing your investment

    Estimate how much money you will earn from your investments over time based on the amount of money you invest and the expected rate of return.

  • Investing with your health savings account

    Have a health savings account (HSA)? Explore how much more money you could potentially earn over time by investing a portion of your eligible HSA balance

    Please note: Not all plans offer HSAs. Please refer to your plan rules for more information.

  • Saving for higher education

    Determine whether your college savings are on track and, if not, how much you may consider investing each year to reach your savings goal.

Overall financial wellness calculators

  • Debt payoff

    Should you pay off debts with the highest interest rate or the smallest balance first? This calculator can help you determine how much interest you could save by using one method over the other.

  • Paying debt vs. investing

    Trying to determine if it’s better to invest any extra money you have or use it to pay off debt? Use this calculator to explore how your rate of return could compare to the cost of your debt.

  • Student loan refinancing

    Can you save more for your future by refinancing your student loan? Explore how refinancing could affect your monthly payment and potentially help you to save more.

  • Mortgage refinancing

    Want to find money to save more for retirement? Calculate the potential savings from refinancing a mortgage.

  • Life insurance

    Calculate how much life insurance you may need based on your current financial situation.

Please note: Not all plans offer all features reviewed above. Please refer to your plan rules for more information.

These calculators are for informational purposes only and not intended to provide investment, legal, tax or accounting advice, nor are they intended to indicate the performance, availability or applicability of any product or service. The accuracy of this and its applicability to your circumstances is not guaranteed. You may wish to consult an appropriate and qualified advisor about your unique situation. The calculators are provided by EVERFI. EVERFI is not affiliated with this site's sponsor, owner or any affiliate thereof. You should always consult with your financial planner, attorney and/or tax advisor as needed. Results and analyses are based exclusively on information provided by you and no assumptions are made as to your particular situation. Projection is hypothetical in nature and not predications or guarantees. All investments carry a degree of risk and past performance is not a guarantee of future results. Asset allocation and diversification do not ensure a profit and do not protect against loss in declining markets.

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