Planning Calculators
 


Fidelity provides many tools and calculators to help you create a successful savings and retirement strategy.

Some of our more advanced planning tools are available exclusively through NetBenefitsSM, as noted below. If you have a Fidelity workplace savings account, be sure to establish a NetBenefits PIN, so that you can take full advantage of what Fidelity has to offer.

Tip: Many of these calculators will open in a second browser window. To close the window, simply click on the "X" in the top right corner.

Evaluating How Much You Can Save

  • 403(b) Contribution Limit Calculation Tool
    This interactive calculator computes your maximum allowable salary deferral contribution amounts, and provides you with a printable summary you can give your employer. Updated for 2009 
     
       
  • 457(b) Contribution Limit Calculation Tool 
    This interactive calculator computes your maximum allowable salary deferral contribution amounts, and provides you with a printable summary you can give your employer. Updated for 2009
     
       
  • Take-Home Pay Calculator
    Learn how your pre-tax contribution might affect your take-home pay.  
     
       
  • Fidelity Contribution Calculator
    Use this calculator to see how much more you could accumulate in your workplace retirement plan over time, by increasing the amount you contribute from each paycheck.  

      
  • Savings Planner   
    Confused about whether to save for retirement or pay off debt? Use this tool to create your savings plan.  
      
  • Budget Snapshot  
    Build your budget: a good plan starts with a good budget. Zero in on your cash flow. 
       
  • Tax-Deferred Investment Growth Calculator
    Use this interactive tool to create scenarios that demonstrate how your tax-deferred investments might grow over time.

Asset Allocation Planning

  • Portfolio Review
    In this tool, Fidelity offers straight-forward, specific guidance—including analysis of your portfolio, asset allocations and mutual fund suggestions—to help you fine-tune your portfolio to meet your financial goals.

      

Planning for Your Retirement Income

  • myPlan® Retirement Quick Check
    If retirement is years away, find out how much you may need to save to meet your goal. If retirement is close, take the first step to see if you will have enough to retire.
    (Time to Complete: 10–15 minutes. Login required.)

       
  • Retirement Income Planner
    If you're in retirement or almost there, create an income plan to help ensure you don't outlive your assets.
    (Time to Complete: 30–45 minutes. Login required.) 

         

     

  • myPlan: Retirement Planning Made Easy
    Answer 5 questions and get a snapshot of your retirement. 
       
  • Minimum Required Distribution (MRD) Calculator 
    When you turn 70½, the IRS generally requires that you begin withdrawing money from your retirement accounts (excluding Roth IRAs). Calculate your estimated yearly minimum required distribution. 
         
  • Estate Planning Action Center 
    These easy-to-use tools can illustrate potential estate planning strategies, and help you understand the relationship between estate-planning goals, strategies and products. 

Other Planning Needs  

  • Roth Educational Calculator 
    You can view hypothetical scenarios showing some differences between a Roth 403(b) deferral and a Pre-tax deferral with the Roth Educational Calculator. When you launch the calculator, you may see a message asking about macros. If you do, please select "Enable Macros". 

    (Requirements: Microsoft® Excel needs to be installed on your PC)
     When you follow this link, you gain access to Excel files that contain macros. When you open one of these files, you may receive a Security Warning dialog box. In order to see the contents of the files, you must select Enable Macros. If you do not receive the warning dialog box and an error message is displayed, you need to set your Excel Macro Security Level to Medium. To do so, open Excel; on the Tools menu, click Macro, click Security, and then click Medium. Close Excel, and then try opening the file again. 
      

 

1 Guidance is provided by Fidelity Representatives through the use of Fidelity’s suite of guidance tools. These tools are educational tools and not intended to serve as the primary or sole basis for your investment or tax planning decisions. They were developed by Strategic Advisers, Inc., a registered investment adviser and a Fidelity Investments company, and are offered for use by Fidelity Brokerage Services LLC, member NYSE, SIPC.  

Portfolio Review is an educational tool.  

Investment and workplace savings plan products and services offered directly to investors and plan sponsors: Fidelity Brokerage Services LLC, Member NYSE, SIPC, 100 Summer Street, Boston, MA 02110.



 
Related Links

Watch an interactive presentation and learn why participating in your retirement savings plan now is so valuable.

 

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