The rule of 55, explained
How the IRS exception for leaving a job at 55 works, which accounts it covers and what it does not do.
Read guide: The rule of 55, explainedHome / Taxes & accounts
Taxes & accounts
The IRS rules that decide when you can use retirement accounts, from the rule of 55 to 72(t) payments and Roth conversions.
Guides
72(t) SEPP rules, explained
The IRS methods, the rate cap, the 5-year-or-59½ rule and what breaking the schedule costs.
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The Roth conversion ladder, explained
Convert, wait five years, withdraw: how the ladder works under the IRS rules, with a five-year example.
Read guide: The Roth conversion ladder, explainedCalculators
FIRE calculator
Your FIRE number and the age you reach it for lean, regular and fat FIRE. $40,000 a year at a 4% withdrawal rate needs $1,000,000.
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Coast FIRE calculator
How much you need invested today to stop saving. $231,377 at 35 grows to $1,000,000 by 65 on its own.
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How long will my money last
Years your savings last at a fixed withdrawal, with a two-bad-years test. $40,000 a year from $1,000,000 lasts 44.1 years.
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Net worth by age calculator
Your percentile among US families your age, from the Federal Reserve's 2025 survey. The median for all families is $216,100.
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Compound interest calculator
Your balance with monthly contributions, and how much of it is interest. $500 a month at 7% for 30 years grows to $609,985.
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Inflation calculator
What a dollar amount from any year since 1913 is worth in another, from the official CPI. $100 of 2000 is $187 in 2025.
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Rule of 72 calculator
How long money takes to double at any return. At 8% the rule says 9 years; the exact answer is 9.01.
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Net worth calculator
Add up what you own and what you owe, and see your percentile among US families your age.
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RMD calculator
Your required minimum distribution from the IRS table. At 75, $500,000 means at least $20,325 this year.
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72(t) calculator
Yearly SEPP payments before 59½ by the amortization and RMD methods, with the IRS life expectancy table.
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Retire early calculator
The age your savings could retire you, and the years to bridge before 59½ and Social Security.
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Social Security break-even calculator
When waiting to claim pays more in total. Claiming at 67 instead of 62 breaks even at 78.7.
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Emergency fund calculator
Your target in months of essential costs, and how long it takes to save it.
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Barista FIRE calculator
The portfolio you need when part-time work pays part of your spending: $625,000 for $50,000 a year with $25,000 of income.
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Interest calculator
Simple interest on any amount, and how much more compounding would give. $10,000 at 5% for 5 years earns $2,500.
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Investment calculator
What your money grows to with yearly contributions that rise, after fees, and in today's dollars.
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Future value calculator
The future value of a lump sum and regular payments, at the start or end of each period.
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APY calculator
Convert an interest rate to its APY by compounding. 5% compounded monthly is 5.12%.
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401(k) calculator
Your 401(k) at retirement with the employer match, raises and fees, under the 2026 IRS limits.
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Roth IRA calculator
Your tax-free balance at retirement. The 2026 maximum of $7,500 a year for 30 years at 7% grows to $708,456.
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CD calculator
Interest earned on a certificate of deposit from the APY and the term, with common terms side by side.
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Dividend calculator
Dividend income from your investment and yield, and what reinvesting does. $100,000 at 3.5% pays $3,500 a year.
Open calculator: Dividend calculatorLast reviewed by Asier Fernández, editor, on . Educational information only, not financial advice. How we calculate