Insights
Retirement calculators & financial tools
Want help creating a budget? Calculating your needs for retirement? Saving for your children's education? TIAA's online tools can help you answer many important financial questions.
Most popular planning tools
Retirement Advisor
A powerful retirement calculator that helps you determine how much to save, how to invest, and how much income you’ll have.
Retirement Income Tools
Planning ahead can make a difference. Deciding on an income strategy now may help you get more from your savings when you retire.
Plan For Your Financial Goal(s)
A sixty second solution to estimate how much you need to save for a goal.
More Tools
- Retirement AdvisorComplete four steps and receive a customized Retirement Action Plan with savings and investment recommendations.
- Retirement Income IllustratorUse our newly redesigned tool to explore your income options with varied assumptions and compare a wide range of scenarios to help you meet your retirement income goals. Log in required.
- Retirement Income EvaluatorReceive three income planning strategies to consider as you approach retirement, as well as a robust report detailing each. Log in required.
- Lifetime Income CalculatorNeed to fill an income gap? Find answers in minutes. Either enter your target income goal, or learn how much income an annuity can potentially create.
- Early Withdrawal CalculatorUnderstand the impact of taking an early withdrawal from your retirement account – including lost asset growth, tax consequences and penalties.
- IRA Finder ToolQuickly learn whether you’re eligible for a Traditional or Roth IRA, and see how much you can contribute.
- IRA Contribution Limits Answer a few questions to determine how much you can contribute to a Roth or a Traditional IRA.
- Roth IRA ConversionFind out if it makes sense to convert your Traditional IRA to a Roth IRA.
- Tax-Deferred Contributions CalculatorDetermine the maximum amount you can contribute to a supplemental tax-deferred account.
- IRA Contribution LimitsAnswer a few questions to determine how much you can contribute to a Roth or a Traditional IRA.
- Minimum Distribution CalculatorFind out how much you must withdraw from your retirement accounts when you reach age 70½.
- Home Affordability CalculatorThinking about buying a home? Find out how much you can afford, what your estimated monthly payments would be and what you’ll need to save for your down payment.
- Asset Allocation EvaluatorDiversify your retirement savings across a range of assets classes, such as equity, fixed income and real estate. See sample scenarios based on answers to a few questions.
- Annuity Cost Savings CalculatorSee how much you may save in annuity expenses. Use this interactive tool to explore the impact lower expenses may have on your annuity's account value and benefits.
- Debt IllustratorChart your credit card debt and personal loans. See how much you owe, how much interest you will pay, and when you could be debt free. Explore how paying a little extra can make your debt-free date come a little sooner.
- Budget WorksheetLearn to budget and manage your money in 10 steps.
- Retirement Budget WorksheetEvaluate your expenses in retirement and create a budget.
See information contained within the above tools and calculators for assumptions, approach and methodology.
Prior to rolling over, consider your other options. You may also be able to leave money in your current plan, withdraw cash or roll over the assets to your new employer’s plan if one is available and rollovers are permitted. Compare the differences in investment options, services, fees and expenses, withdrawal options, required minimum distributions, other plan features, and tax treatment. Speak with a TIAA Consultant and your tax advisor regarding your situation. Learn more .
1344347