Income Floor Gap Estimator

OwnYourPension

Your “floor” is the essential spending that can’t stop when the market drops. This tool works backward: it subtracts the guaranteed income you already have from your floor, and estimates the lump sum it might take to close the gap with income you can’t outlive. An estimate to learn from — not a quote.

“OwnYourPension” is an educational brand name — not a pension provider. Annuities are insurance products, not employer or government pensions, and are not insured by the PBGC, the FDIC, or any government agency. Guarantees depend solely on the claims-paying ability of the issuing insurance company.

Your floor & income

Essential monthly expenses — housing, food, utilities, insurance, healthcare Social Security — household, per month Pension & other guaranteed income — per month, if any Your age today Cover

Spouse’s age today

Your income floor gap

Monthly gap to cover

$0 / mo

Gap per year

Est. lump sum to cover it

Floor already covered

Enter your numbers to see your gap.

Want this run on your real numbers?

This is an educational estimate. For an honest read on how to cover your floor — and whether you even need a product to do it — send your details and an OwnYourPension specialist will follow up. If you’re already covered, we’ll tell you that.

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Important. This estimator is for educational purposes only and is not a quote, an offer, or a recommendation to buy any product. The “lump sum to cover the gap” is a rough approximation based on general current-market income rates for a single-premium immediate annuity and will differ from any actual annuity offer, which depends on the issuing insurance company, the specific product, prevailing interest rates at purchase, your state of residence, your age and health, and the options you select. Guarantees are backed solely by the claims-paying ability of the issuing insurance company — they are not guaranteed by OwnYourPension, by any insurance agency, or by any government agency. You do not have to use an annuity to cover an income floor, and for some people the right answer is to cover it another way or to do nothing. OwnYourPension is an educational resource and is not an insurance company; annuities are offered through licensed insurance agencies we work with, who are compensated by commission. OwnYourPension is affiliated with T&T Capital Management LLC, a registered investment adviser and fiduciary that charges a fee for advisory services; which entity serves you, and how it is compensated, is disclosed before you purchase.