About WealthWise

Free calculators that show their working, so you can plan with numbers you understand.

What we make

WealthWise is a set of investment and retirement calculators: investments, retirement, 401(k), Roth IRA, dividends, ROI and more. There are no sign-ups and no sales pitch, and every calculation runs in your browser.

How we calculate

Projections compound month by month using the return you enter. Tax-advantaged account limits and income phase-outs come from IRS publications and news releases (for 2026, IR-2025-111), and required minimum distributions use the IRS Uniform Lifetime Table from Publication 590-B. Each page explains its formula, and you can check the results in the year-by-year tables.

What we don’t do

We don’t recommend investments, sell products or take commissions. Results are estimates for education, not financial, tax or legal advice. Markets don’t deliver steady returns, so try several scenarios.

Keeping it current

The IRS adjusts contribution limits most years, usually in October or November. We update the limits when they are announced; see the contribution limits page for the figures we use.