Planning Tools

• The Retirement Score Calculator will help you understand how prepared you are for retirement.

• The Contribution Calculator can help you see how increasing your retirement plan contributions can affect your paycheck today and your income during retirement.

• The Take Home Pay Calculator shows how your pre-tax contribution might affect your take home pay.

• Use the Power of Small Amounts tool to see how increasing your contribution rate by 1%, 3% or 5% can make a big difference in preparing for your future.
• Use the 403(b) Contribution Limit Calculator to determine the maximum elective salary deferral contribution you may make to your 403(b) plan for the current year.
• Use the Post-tax Roth vs. Traditional Pre-tax Calculator to compare whether contributing from your paycheck on a pre-tax or post-tax basis will help minimize your tax burden when you begin taking distributions.

• Use Your Contribution Maximizer calculator to determine the maximum amount you can contribute to your retirement savings plan, based upon your age, earnings, and existing contribution rates.
• Use the Required Minimum Distribution (RMD) Calculator to determine your RMD and project future years' distributions.
• The Social Security Benefits Estimator from the Social Security Administration uses your actual Social Security earnings record to estimate your benefits in retirement.

• Use the Mortgage Amortization Calculator to determine your monthly payment and estimate your amortization schedule.

• The Housing Calculator can help you estimate out how much you can afford to borrow if you buy a house.
• Use the Mortgage Refinance Calculator to help you determine if you should refinance your mortgage.

• Use the College Savings Calculator to help develop or fine tune your education savings plan.
• The Compound Interest Calculator can help you see how consistent investments over a number of years can help you accumulate wealth.
• Use the Save a Million Dollars Calculator to see how long it will take to save one million dollars by following your current savings plan.
• Use the Savings Goal Calculator to help you work toward a specific savings goal.

Vanguard's Retirement Plan Loan Calculator helps determine the true cost of a loan from your 403(b).

• The Saving and Spending Calculator can help you calculate whether you are saving and spending within Fidelity’s recommended guidelines.
• The Budget Checkup Calculator helps you quickly bucket expenses and determine your monthly surplus or deficit.
• Use the Student Loan Payoff Calculator to learn about your options to pay back your student loans faster.
• The Charitable Giving Tax Savings Calculator shows how charitable giving can help you save on taxes—and how accelerating your giving with the “bunching” strategy can help save even more.