Professional Financial Calculators
Plan your financial future with our precision estimation tools. From aircraft loans to mortgages and investments—we provide the data you need to make informed decisions.
Last updated: · Reviewed by the OtherCalculators editorial team
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Which calculator do you need?
- I want to see what a 401(k) could be worth over time
- 401k Calculator — the starting point for the 401(k) cluster
- I need to work out how much I can put in this year
- 401k Contribution Calculator — applies the 2026 cap and the age catch-ups
- I want to know what my employer match is worth
- 401k Employer Match Calculator — models tiered and capped formulas, not a flat percentage
- I'm self-employed with no employer plan
- Solo 401k Calculator — handles both halves you contribute as employee and employer
- I can't decide between Roth and pre-tax
- Roth Vs. Traditional 401k Calculator — tax now against tax later, at your own bracket
- I want to know if I'm on track to retire
- 401K Retirement Calculator — projects to a target date and shows the shortfall
- I'm considering borrowing from my plan
- 401k Loan Calculator — amortizes under the §72(p) cap and prices the growth given up
- I'm thinking about cashing out early
- 401k Early Withdrawal Calculator — the 10% additional tax, income tax and net proceeds
- I want a guaranteed return on savings I'll need soon
- CD Calculator — maturity value, after-tax return and ladder comparisons
- I want to clear my mortgage sooner
- Mortgage Payoff Calculator — prices extra, biweekly and lump-sum payments
- I'm financing an aircraft
- Aircraft Finance Calculator — amortization over the longer terms aircraft lending uses
Available Tools
11 Calculators AvailableAircraft Finance Calculator
Calculate monthly payments for aircraft loans.
CD Calculator
Calculate CD maturity value, interest earned, after-tax return, and CD ladder performance.
Mortgage Payoff Calculator
Calculate how extra mortgage payments, biweekly payments, and lump sums can reduce your mortgage term and save interest.
401k Calculator
Calculate how much you can save for retirement with a 401k.
401k Contribution Calculator
Calculate your 401k contributions.
401k Loan Calculator
Calculate your 401(k) loan monthly payment, full amortization schedule, and the real opportunity cost of borrowing from your retirement account. Follows US IRS §72(p) rules including the $50,000 cap and 5-year maximum term.
Roth Vs. Traditional 401k Calculator
Compare Roth vs Traditional 401(k) contributions to see which one is better for you.
401k Employer Match Calculator
Calculate how much your employer will match your 401k contributions.
Solo 401k Calculator
Calculate your Solo 401(k) contributions.
401K Retirement Calculator
Calculate your 401(k) retirement savings goals and track your progress.
401k Early Withdrawal Calculator
Calculate the penalty and tax implications of early 401(k) withdrawals.
What these finance calculators cover
Two US money questions that share the same arithmetic: what you can build inside a tax-advantaged retirement account, and what repaying borrowed money costs. Eight tools deal with employer and self-employed 401(k) plans — contributions, matching, Roth versus pre-tax, loans and early withdrawals. The rest price a certificate of deposit, an early mortgage payoff, and aircraft financing.
What is not here matters as much. Statutory figures come from published IRS tables, but the plan your employer actually runs may be more restrictive than the law allows, and that document governs. Consumer borrowing for cars and personal loans lives in loan calculators, not here.
How these calculations work
Three mechanics recur across the category. Compounding: a balance re-invests what it earns, so an early contribution is worth disproportionately more than an identical later one — which is why changing the number of years moves a projection far more than changing the monthly amount.
Amortization: a fixed-payment loan splits each payment between interest on the balance still owed and repayment of principal. Early payments are mostly interest, late ones mostly principal, which is why an extra payment in year two saves far more than the same payment in year twenty. The Consumer Financial Protection Bureau describes the same mechanism for consumer loans.
Tax timing: a pre-tax contribution cuts taxable income now and is taxed on withdrawal; a Roth contribution is taxed now and not on qualified withdrawal. That is not a return — it is a bet on which rate applies at each end, which is why the tools ask you for both. Compounding is what makes the fourth figure, opportunity cost, larger than most people expect: money out of the account is not compounding while it is gone.
2026 contribution and benefit limits
Every calculator here that applies a statutory ceiling reads it from one shared module, so these are the same figures the individual tool pages use. The IRS re-indexes them each autumn for the following year.
| Limit | 2026 amount | Statute |
|---|---|---|
| Employee elective deferral (401(k), 403(b), governmental 457(b)) | $24,500 | IRC §402(g) |
| Catch-up contribution, age 50 and over | $8,000 | IRC §414(v) |
| Catch-up contribution, ages 60–63 (replaces the age-50 figure) | $11,250 | SECURE 2.0 |
| Combined employee + employer annual additions | $72,000 | IRC §415(c) |
| Compensation counted for employer contributions | $360,000 | IRC §401(a)(17) |
| Traditional and Roth IRA contribution, combined | $7,500 | IRC §219(b) |
| IRA catch-up contribution, age 50 and over | $1,100 | IRC §219(b)(5) |
Choosing between the tools
Putting money in: start with contributions and match, then settle the Roth-versus-pre-tax question, because that changes what every later projection is worth. Taking money out: the loan and early-withdrawal tools are built to be compared against each other — similar headline numbers, very different consequences. The deposit and payoff tools assume nothing about future returns, which makes them the most reliable figures here.
Saving into a 401(k)6 tools
Loans & payoff2 tools
Taking money out of a 401(k)2 tools
Deposits & interest1 tool
Common mistakes in retirement and loan planning
- Leaving the employer match on the table. A match is the one part of a retirement plan whose return does not depend on markets. Contributing less than your employer will match is giving up pay — check the formula with the employer match calculator before setting your deferral percentage.
- Assuming the match counts toward your own limit. It does not. Employee deferrals are capped separately from the combined employee-plus-employer limit, and confusing the two makes people under-contribute by thousands.
- Pricing a withdrawal at the penalty only. The 10% additional tax is the visible cost; income tax on the full amount and the growth the money will never earn are usually larger. The early withdrawal calculator shows all three.
- Treating a projected return as a promise. Every projection here is arithmetic applied to an assumption you supply. Run it again at a lower return and treat the gap as the real range.
- Comparing monthly payments, and taking one quote. A longer term always means a smaller payment and a bigger interest bill, so compare the total repaid. Then compare APR rather than the headline rate across several lenders — the rate you qualify for moves the total more than the term you pick.
Finance planning FAQs
What is amortization?+
Amortization is the process of spreading out a loan into a series of fixed payments over time. Each payment covers both principal and interest, with the interest portion decreasing as the loan balance decreases.
How can I lower my monthly loan payment?+
You can lower your monthly payment by increasing the loan term (more months to pay), making a larger down payment (reducing principal), or securing a lower interest rate through good credit or shopping around.
What is APR vs interest rate?+
Interest rate is the cost of borrowing the principal. APR (Annual Percentage Rate) includes the interest rate plus other fees and costs, giving you a more complete picture of the total borrowing cost.
Should I choose a fixed or variable rate?+
Fixed rates offer stability with consistent payments. Variable rates may start lower but can increase over time. Choose fixed for predictability, variable if you expect rates to fall or plan to pay off early.
How does a down payment affect my loan?+
A larger down payment reduces the amount you need to borrow, which lowers your monthly payments, total interest paid, and may help you qualify for better rates.
How much can I contribute to a 401(k) in 2026?+
For 2026 the IRS caps employee elective deferrals at $24,500 across all 401(k), 403(b) and governmental 457(b) plans combined. From age 50 you may add a $8,000 catch-up, rising to $11,250 instead if you turn 60, 61, 62 or 63 during the year. Employer money sits outside that cap.
Does my employer's match count toward the 401(k) contribution limit?+
No. The $24,500 elective-deferral limit applies only to money you defer from your own pay. Employer matching and profit-sharing count instead toward the §415(c) annual-additions limit of $72,000 for 2026, which covers both sides together — which is why a full match rarely pushes anyone against a ceiling.
Is it better to borrow from a 401(k) or take an early withdrawal?+
They are not equivalent. A 401(k) loan is repaid to your own account and is not taxed, but plans cap it at the lesser of $50,000 or half your vested balance and normally require repayment within five years. An early withdrawal before age 59½ is taxed as ordinary income and usually carries an additional 10% tax under IRC §72(t).
Should I pay off my mortgage early or contribute more to retirement?+
That depends on facts a calculator cannot see — your tax position, your rate, your match and your risk tolerance. Quantify both sides before choosing: model the interest an extra mortgage payment saves, model the balance an extra contribution builds, and compare the totals. Capturing a full employer match first is the one step most planners agree on.
Related categories
- Loan Calculators (1) — consumer borrowing — auto and personal loan payments with sales tax, trade-ins and dealer fees, which the tools here do not model
Estimates & assumptions
- Statutory figures apply to tax year 2026, come from the IRS cost-of-living adjustment tables, and are re-indexed annually. The age 60–63 catch-up replaces the age-50 catch-up; the two do not stack.
- Your employer's plan document may be more restrictive than the law permits — on loans, on matching, and on whether Roth deferrals are offered at all. The plan document governs.
- Projections apply your own return and inflation assumptions. They are arithmetic, not forecasts: none of these tools models market risk, sequence-of-returns risk, or fees charged inside your plan.
- State income tax treatment varies; only the calculators that say they model state tax do so.
These tools produce estimates for planning only. They are not financial, tax, investment, or legal advice. Confirm any figure against your plan document and a qualified professional before acting on it.