NestEgg

NestEgg

Free retirement & FIRE calculators with the real 2026 IRS limits built in.

NestEgg is a free hub of US retirement and FIRE calculators. Find your FIRE number, check your Coast-FIRE date, project compound growth, maximize your 401(k) employer match, compare Roth vs Traditional, and model a 4%-rule drawdown — all running in your browser with the real 2026 IRS contribution limits built in. These are estimates, not financial advice.

Source: IRS Notice 2025-67 (IR-2025-111). Data as of 2026 tax year.

Calculators

FIRE Number & Years-to-FI Calculator

Find the portfolio size that makes work optional, then estimate how many years of saving it takes to get there.

Coast FIRE Calculator

See whether your invested savings can grow into a full retirement on their own — without another dollar of contributions.

Compound Interest & Investment Growth Calculator

Project how a starting balance plus regular contributions grows over time with compounding returns.

401(k) Employer Match Maximizer

Find the contribution percentage that captures every dollar of your employer's 401(k) match — free money you do not want to leave behind.

Roth vs Traditional Break-Even Calculator

Compare after-tax outcomes of a Roth and a Traditional account and find the future tax rate where they break even.

4% Rule & Safe Withdrawal Calculator

Estimate the sustainable annual income from your portfolio and model a year-by-year drawdown.

The 2026 IRS limits at a glance

2026 limitAmount
401(k) elective deferral$24,500
401(k) catch-up (age 50+)$8,000
IRA contribution (Roth or Traditional)$7,500
IRA catch-up (age 50+)$1,100

Source: IRS Notice 2025-67 (IR-2025-111). Data as of the 2026 tax year. See the full table on any calculator page.

From the blog

401(k) Match: Don't Leave Free Money on the Table

An employer 401(k) match is an instant, guaranteed return. Here's how match formulas work, how to capture every dollar, and the 2026 contribution limits.

2026-06-14
Roth vs Traditional: Which Wins in 2026?

The Roth vs Traditional decision comes down to one thing — your tax rate now versus in retirement. Here's the break-even math and the 2026 limits.

2026-06-14
How Compound Interest Builds Wealth (and Why Starting Early Wins)

Compound interest pays returns on your returns. Over decades, growth dwarfs contributions — here's the math, with tables showing why time beats timing.

2026-06-14
What Is Your FIRE Number? (And How to Hit It Faster)

Your FIRE number is your annual spending times 25. Here's how to calculate it, why the multiple is 25, and the levers that get you there sooner.

2026-06-14

What this site is

NestEgg publishes fast, free, genuinely-useful calculators for retirement planning and financial independence (FIRE). Every page is static, loads instantly, runs the math in your browser, and shows its sources. See our methodology for the formulas and assumptions, and our disclaimer for the limits of these estimates.

Last updated: 2026-06-14