Freelance Retirement Savings Calculator

Plan retirement savings using SEP IRA (up to 25% of net income) or Solo 401k (higher limits with catch-up contributions).

Enter your financial details below and click Calculate to get personalized results with AI-powered insights. Free, no account required, and all calculations run privately in your browser.

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Key Features

✓ Project your retirement balance at any age
✓ See how contribution changes affect your outcome
✓ Free to use — no account, no signup, no data stored
✓ All calculations run in your browser for complete privacy
✓ Optional AI analysis explains your results in plain language
✓ Mobile-friendly and works on any device

Frequently Asked Questions

How does the Freelance Retirement Savings Calculator calculate my retirement projections?

The calculator uses compound growth formulas based on your current savings, contribution rate, expected annual return, and target retirement age to project your future balance.

What rate of return should I use?

A conservative estimate is 5–6% annually (after inflation). For an all-stock portfolio historically you might use 7–8%, but planning conservatively leaves a buffer for market downturns.

How much do I need to retire comfortably?

The 4% rule suggests you need 25× your annual expenses saved. The Freelance Retirement Savings Calculator can show you how your current trajectory compares to that target.

Can I model different retirement ages?

Yes — simply change the retirement age field and recalculate. The tool instantly shows how retiring earlier or later impacts your required savings and monthly contribution.