Free retirement-income tools
Straight-talk calculators for guaranteed income, long-term care, the annuity you may already own, and the big retirement decisions. Use any of them free — no email wall to run the numbers. Each is an educational estimate, not a quote or advice.
Guaranteed income
Turn savings into a paycheck you can’t outliveGuaranteed-Income Estimator
How much lifetime monthly income a lump sum could produce, by age and payout option.
Open →Income Floor Gap Estimator
The gap between your essential expenses and the guaranteed income you already have.
Open →Retirement Paycheck Planner
What your retirement costs in the year you retire, against what your income sources will actually pay.
Open →Income Comparison Calculator
Same money, two ways: invest it all, or insure part of it with a real illustration and invest the rest.
Open →MYGA Rate Comparison
Compare multi-year guaranteed annuity rates by term and carrier strength.
Open →MYGA vs. CD Calculator
After-tax: a tax-deferred MYGA against a CD taxed every year — the honest trade.
Open →Long-term care
Plan for care without lighting your nest egg on fireAnnuities
Whether to get one — and a straight read on the one you ownAnnuity Fit Quiz
Five honest questions that tell you whether an annuity fits you — including “you don’t need one.”
Open →Annuity Checkup
Already own one? See what’s worth a closer look — and get a free second opinion.
Open →Annuity Fee X-Ray
Add up every fee layer on the annuity you own and see the real cost in dollars.
Open →Retirement planning
The big decisions that move the most moneyRetirement Income Style Quiz
Ten statements, about three minutes: which of four ways to draw retirement income fits how you think.
Open →Sequence-of-Returns Calculator
Run a withdrawal plan through real market history, then the same years in reverse.
Open →Survivor Income Estimator
The income drop — and the widow’s tax — when the first spouse passes.
Open →RMD Calculator
This year’s required minimum distribution — and what to actually do with it.
Open →Social Security Timing
Claim at 62, full retirement age, or 70? See what the timing decision is really worth.
Open →