Retirement Savings and Planning | Investment Calculators | Savings Calculators

Retirement Savings and Planning
401(k) Calculator	A 401(k) can be one of your best tools for creating a secure retirement. Use this calculator to see why this is a retirement savings plan you cannot afford to pass up.
403(b) Savings Calculator	If you are an employee of a non-profit tax-exempt organization, a 403(b) can be one of your best tools for creating a secure retirement.
Beneficiary Required Minimum Distribution (RMD) - Current Year	Use this calculator to determine your Beneficiary Required Minimum Distributions (RMD) of a retirement account for the current year.
Beneficiary Required Minimum Distributions (RMD)	Use this calculator to determine your Required Minimum Distributions (RMD) as a beneficiary of a retirement account.
Beneficiary Required Minimum Distributions (RMD) - Advanced Options	Use this calculator to determine the Required Minimum Distribution (RMD) for different types of beneficiaries. This includes spouses, non-spouses and chronically ill individuals and non-adult children.
Beneficiary Required Minimum Distributions (RMD) - Spouse Inherited IRA	Use this calculator to create a future projection and Required Minimum Distributions (RMD) as a spouse beneficiary electing not to treat the inherited retirement account as his/her own.
Company Stock Distribution Analysis Calculator	If you own company stock in a retirement plan you may be able to take advantage of using the long term capital gains tax rate rather than your ordinary income tax rate on this investment.
Individual 401(k) Contribution Comparison	Use this calculator to determine your 2024 maximum Individual 401(k) contribution as compared to three other possible plan options.
Pension vs. Lump Sum Payout Calculator	Use this calculator to compare the results of getting a lump sum payout instead of a guaranteed monthly pension for life.
Required Minimum Distribution (RMD)	Use this calculator to determine your Required Minimum Distribution (RMD) and estimate future required distributions.
Required Minimum Distribution (RMD) - Current Year	Use this calculator to determine your current Required Minimum Distribution (RMD).
Required Minimum Distribution (RMD) - Year To Begin	Use this calculator to determine calculate when your Required Minimum Distributions (RMD) must begin to avoid penalties. If distributions are required to have been started, it will also calculate the current year RMD.
Retirement Contribution Effects on Your Paycheck Calculator	Use this calculator to see how increasing your contributions to a 401(k), 403(b) or 457 plan can affect your paycheck as well as your retirement.
Retirement Income Calculator	Use this calculator to determine how much monthly income your retirement savings may provide you in your retirement.
RMD & Stretch IRA Calculator	Use this calculator for a spouse beneficiary (assumes spouse rolls to own IRA) or owner's death was post 2019 and the beneficiary is a Designated Beneficiary.
Roth 401(k) vs. Traditional 401(k) Calculator	Use this calculator to determine which 401(k) contribution type might be right for you.
Roth IRA Conversion Calculator	This calculator will show the advantage, if any, of converting your IRA to a Roth.
Roth IRA Conversion with Distributions Calculator	Use this calculator to help determine how you can stretch out your retirement plan distributions for as long as possible.
Roth IRA vs. Traditional IRA Calculator	Use this calculator to determine which IRA may be right for you.

Investment Calculators
Compare Investment Fees	Even a small difference in the fees you pay on your investments can add up over time. Use this calculator to see how different fees impact your investment strategy!

Savings Calculators
College Savings Calculator	Use this calculator to help develop or fine tune your education savings plan.
Savings Distribution Calculator	Use this calculator to determine savings balance after a series of monthly, quarterly or annual withdrawals.
Savings, Taxes, and Inflation Calculator	Use this calculator to determine how much your savings will be worth with these two important variables in mind.

Please note that the information contained herein is general in nature, has been obtained from various sources believed to be reliable and is subject to changes in the Internal Revenue Code, as well as other areas of law. It is intended to offer factual and up-to-date information. However, information is subject to change without notice. We make no representation or warranty of any kind, express or implied, including but not limited to, warranties of accuracy, completeness or fitness for a particular purpose, with regard to the data herein, and will not be liable for any damages, losses or costs incurred as a result of reliance hereon.

This calculation was tailored for the intended recipient only. It contains forward-looking statements based on hypothetical returns and information provided by the intended recipient. There can be no guarantees that the views and opinions expressed will come to pass. Please review the information for accuracy and notify your Oppenheimer Financial Advisor promptly if any discrepancies are present; discrepancies may materially alter the calculation.

This is designed to educate and inform and is for illustrative purposes only. It is not intended to provide investment, legal, accounting or tax advice. It is not a substitute for, or provided in the context of, developing a comprehensive financial plan and it should not be relied upon as your sole or primary means for making planning or investment decisions. Nothing produced should be construed as a recommendation of or solicitation for any particular product , security or service. You should contact your attorney or tax adviser regarding your specific legal or tax situation prior to taking any action based on the information provided.

This is part of the brokerage services that Oppenheimer & Co Inc provides to its brokerage customers and does not constitute advisory or financial planning services. If you select one or more of the advisory services offered by Oppenheimer & Co Inc or its affiliate Oppenheimer Asset Management Inc., we will be acting in an advisory capacity. If you ask us to effect securities transactions for you, we will be acting as a broker-dealer. Please see the Oppenheimer & Co Inc website, www.opco.com or call the branch manager of the office that services your account, for further information regarding the differences between brokerage and advisory products and services.