About 401Calc
Free, accurate retirement calculators that run entirely in your browser. No sign-up. No data stored.
Our Mission
Retirement planning is complicated enough without handing over your personal data just to use a calculator. 401Calc was built on a simple idea: powerful retirement tools should be free, private, and instant.
Every calculation runs entirely in your browser using JavaScript. Your income, savings, age, and goals never leave your device. There are no accounts, no emails required, and no data ever stored on our servers.
What 401Calc Does
401Calc provides 10 free retirement calculators covering every major decision a saver, investor, or retiree faces:
- 401k growth with year-by-year balance projections
- Retirement savings goal and required monthly contribution
- FIRE number with Coast FIRE calculation
- Roth vs Traditional IRA side-by-side tax comparison
- Social Security benefits at 62, 67, and 70 with break-even analysis
- Withdrawal rate, RMD, pension vs lump sum, catch-up contributions, and retirement income tax
Every calculation runs entirely inside your browser. Nothing is ever sent to a server, stored, or shared.
Privacy & Data
Here is exactly what happens when you use 401Calc:
- Your numbers are calculated locally in JavaScript — they never leave your device
- No account, login, or personal information is required
- We only store your dark mode preference in local storage (
rh-theme) - Third-party ads (Google AdSense) may use cookies — see our Privacy Policy for details
Important Disclaimer
All results produced by 401Calc are estimates for informational and educational purposes only. They do not constitute financial, legal, tax, or investment advice. Always consult a qualified financial advisor before making any retirement planning decision.