Retirement calculators and 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 Journey Planner
A participant-driven retirement goal tool designed to improve retirement outcomes through its simplicity and ease of use.
Retirement Income Illustrator
Provides estimates on future retirement income and can evaluate distribution options to estimate a hypothetical retirement income stream.
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Let us help you prepare for these important retirement topics
Health care costs
A powerful retirement calculator that helps you determine how much to save, how to invest, and how much income you’ll have.
Life expectancy
The Retirement Income Illustrator is a comprehensive tool that helps TIAA clients, close to retirement, compare income choices using their TIAA retirement assets.
Social Security
Use this quick 60-second solution to estimate how much you may need to save in order to meet different financial priorities.
Long-term care costs
Let us help you assess the risk of unexpected health care costs during retirement including home health care, assisted living, and nursing home care.
Retirement Planning
Retirement Journey Planner
A participant-driven retirement goal tool that is designed to improve retirement outcomes through its simplicity and ease of use.
Retirement Income Illustrator
Provides estimates on future retirement income and can evaluate distribution options to estimate a hypothetical retirement income stream.
My Personal Pension
Estimate income and loyalty bonus from TIAA Traditional. Variables include current age, retirement age, current accumulation, on-going contributions.
Annuity Payout Advantage
Estimate how much more money you’d have in the first year of retirement by annuitizing a portion of your savings with TIAA Traditional versus just withdrawing 4%.
Early Withdrawal Calculator
Understand the impact of taking an early withdrawal from your retirement account—including lost asset growth, tax consequences and penalties.
Retirement Loan Calculator
Get an understanding of what your monthly payment may be for a retirement plan loan and whether it fits in your budget.
Retirement Advisor
After meeting with a financial consultant, confirm and implement your investment choices.
IRAs
IRA Finder Tool
Helps participants determine which IRA type you would be eligible for based on your MAGI, tax filing status, and eligibility for employer-sponsored plan.
IRA Contribution Limits
Calculates how much someone can contribute to a Roth, Traditional, or non-deductible Traditional based on age, AGI, and employer-sponsored plan coverage.
Roth IRA Conversion
Allows users/participants to calculate the tax consequences of converting a Traditional IRA to a Roth IRA.
More tools
529 College Savings Planner Calculator
Use this tool to determine approximately how much money you need to save to pay for college. If you’re a parent or an advisor, answer the following questions about a prospective student.
Spending Plan Worksheet
Check your spending against your income. Learn to budget and manage your money in 10 steps.
Retirement Budgeting Worksheet
Participants can use the planning worksheets to estimate their total monthly expenses. This can inform an income planning strategy.
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This material is for informational or educational purposes only and is not fiduciary investment advice, or a securities, investment strategy, or insurance product recommendation. This material does not consider an individual’s own objectives or circumstances which should be the basis of any investment decision. Investment decisions should be made based on the investor's own objectives and circumstances.
See information contained within the above tools and calculators for assumptions, approach and methodology.
These Tools are Educational. This material is for informational or educational purposes only and does not constitute investment advice under ERISA, a securities recommendation under federal securities laws, or an insurance product recommendation under state insurance laws or regulations. These tools are intended to provide you with information to help you make informed decisions. You should not view or construe the availability of these tools as a suggestion that you take or refrain from taking a particular course of action, as the advice of an impartial fiduciary, as an offer to sell or a solicitation to buy or hold any securities, as a recommendation of any securities transactions or investment strategy involving securities (including account recommendations), a recommendation to rollover or transfer assets to TIAA or a recommendation to purchase an insurance product. In making these tools and information available to you, TIAA assumes that you are capable of evaluating the information and exercising independent judgment. As such, you should consider your other assets, income and investments and you should not rely on the information as the primary basis for making investment or insurance product purchase or contribution decisions. The information that you may derive from these tools are for illustrative purposes only and are not individualized or based on your particular needs. This material does not take into account your specific objectives or circumstances, or suggest any specific course of action. Investment, insurance product purchase or contribution decisions should be made based on your own objectives and circumstances. The purpose of these tools are not to predict future returns, but to be used as education only. The assumptions underlying these tools are provided here and will change over time and from time to time. Contact your tax advisor regarding the tax implications. You should read all associated disclosures.
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.