Saving & Investing
Plan for retirement, emergency funds, and investment growth. Comprehensive calculators for compound interest, 401k/IRA projections, investment strategies, and emergency fund planning.
Our saving and investing calculators help you plan for the future, whether you're building an emergency fund, saving for retirement, or growing your investments. Each tool provides detailed projections and visualizations to guide your financial decisions. You might also find our Calculate your take-home pay, Estimate capital gains tax, Find your federal tax bracket, Plan mortgage financing, Budget your monthly expenses, Analyze investment returns, Compare retirement account options and Time and date tools helpful for related calculations.
Saving & Investing Guide
Last updated: February 16, 2026
Last updated: February 16, 2026
What you can do in Saving & Investing
- •Project how your savings grow over time with compound interest
- •Estimate your 401(k) or IRA balance at retirement, including employer match
- •Calculate how long your nest egg will last with different withdrawal rates
- •Figure out the right emergency fund target based on your monthly expenses
- •Compare lump-sum investing vs. dollar-cost averaging over time
- •See how much you need to save each month to reach a specific goal
- •Understand the impact of investment fees on long-term returns
- •Model different asset allocations and rebalancing strategies
Accuracy, assumptions, and sources
- •Return projections use the rate you enter—past performance doesn't guarantee future results.
- •Calculations assume consistent contributions unless you specify otherwise.
- •Inflation is factored in when you enable 'inflation-adjusted' mode; otherwise, results are nominal.
- •Retirement calculations often assume you'll withdraw 4% per year (the '4% rule'), but this is a guideline, not a guarantee.
- •Tax treatment depends on account type (Roth, Traditional, taxable) and your future tax bracket.
- •All projections are estimates—actual returns will vary with market conditions.
Pick the right calculator fast
- If you want to see how interest compounds over time→Compound Interest Calculator
- If you're planning for retirement with a 401(k) or IRA→Retirement Savings Calculator
- If you're choosing between Roth and Traditional IRA→IRA: Roth vs Traditional
- If you want to project portfolio growth→Investment Growth Calculator
- If you need to build an emergency fund→Emergency Fund Planner
- If you're considering CD ladders for safe returns→CD Ladder Planner
- If you want to rebalance your portfolio→Asset Allocation & Rebalancing
- If you're planning dividend income in retirement→Dividend Income Planner
- If you're curious about FIRE (early retirement)→FIRE Calculator
Common mistakes to avoid
- •Using nominal returns without adjusting for inflation—your real purchasing power matters.
- •Assuming you'll consistently earn 10% per year; markets are volatile and returns vary.
- •Ignoring the impact of fees—even 1% annually can cost tens of thousands over decades.
- •Contributing irregularly and then assuming steady-state growth projections apply.
- •Not accounting for taxes when comparing Roth vs. Traditional accounts.
- •Setting an emergency fund too low—aim for 3-6 months of expenses, not 1.
- •Forgetting that early withdrawals from retirement accounts may trigger penalties.
- •Assuming your current savings rate will never need to change as life circumstances shift.
Editorial policy
- ✓All calculators provide educational estimates, not professional financial, tax, or legal advice.
- ✓Results depend on the assumptions you enter—double-check your inputs.
- ✓We don't sell or share personal data. Calculations run in your browser.
- ✓Formulas and key assumptions are disclosed in each tool.
- ✓Found an error? Email us at hello@everydaybudd.com and we'll fix it.
- ✓Tools are updated when tax laws, rates, or formulas change.