Explore practical tools designed to help you think through retirement income, Roth conversions, required minimum distributions, Medicare IRMAA, annuities, and long-term retirement decisions.
Calculators cannot make a retirement decision for you, but they can make the tradeoffs easier to see. Use these tools to explore scenarios, identify questions worth asking, and understand how changing one assumption may affect the larger retirement picture.
Estimate spending, dependable income, and the gap your retirement assets may need to support.
Explore conversion amounts, taxable income, and multi-year planning considerations.
Estimate future RMDs and understand how they may affect retirement taxable income.
See why taxable income and Roth conversions may affect future Medicare costs.
Compare rates, terms, liquidity, income features, and other contract considerations.
Each tool focuses on a different part of retirement planning. Use them individually to explore a specific question, then bring the results together to understand how one decision may affect taxes, income, Medicare, liquidity, and the rest of the plan.
Compare expected household spending with Social Security, pensions, and other dependable income to identify the amount retirement assets may need to support.
Model potential conversion amounts and examine how additional taxable income may interact with tax brackets, future RMDs, Medicare IRMAA, and long-term tax diversification.
Explore how a projected tax-deferred retirement balance may translate into future required minimum distributions under applicable rules.
Explore how modified adjusted gross income may interact with Medicare Part B and Part D income-related premium adjustments.
Compare more than the headline rate by reviewing term, liquidity, insurer, crediting method, income features, surrender provisions, and other contract considerations.
Individual calculators can answer pieces of the retirement puzzle. A full review considers how those pieces interact across income, investments, taxes, Medicare, and legacy planning.
These tools are designed for education and scenario testing. Results depend on the assumptions entered and should not be treated as guarantees, tax advice, legal advice, investment recommendations, insurance recommendations, Medicare advice, or a substitute for individualized professional analysis.
Enter your estimated monthly retirement spending and dependable income sources. The calculator will show the amount your savings and other retirement assets may need to support.
Use today's dollars or your estimated retirement budget, but keep all entries on the same basis.
Enter income you reasonably expect to receive from recurring sources before portfolio withdrawals.
Enter your age and the prior year-end balance of your tax-deferred retirement account to estimate an annual required minimum distribution.
For a current-year RMD, generally use the account balance from December 31 of the previous year.
Enter a proposed conversion amount and your estimated tax assumptions to illustrate how a Roth conversion can increase taxable income and create an estimated current-year tax cost.
This is a simplified educational illustration. Use estimates from your current tax picture when possible.
Enter the amount of the proposed conversion you expect to pay from outside cash or taxable assets. This does not change the tax estimate; it simply illustrates how much of the conversion may remain intact inside the Roth.
Enter estimated modified adjusted gross income and filing status to see which 2026 Medicare income tier applies and illustrate the corresponding Part B and Part D income-related adjustments.
Medicare generally determines IRMAA using tax information from two years earlier. For 2026 Medicare premiums, that generally means 2024 tax-return income information.
Enter two annuity options side by side. This worksheet helps organize important contract features so you can compare term, liquidity, guarantees, income features, crediting methods, and how each contract fits the job you want the money to perform.
Enter contract information above to create a side-by-side summary.
Enter contract information above to create a side-by-side summary.
Each calculator answers a different question. The real value comes from understanding how those answers interact across income, taxes, Medicare, investments, annuities, liquidity, and long-term planning.
Start with expected retirement spending and identify how much Social Security, pensions, and other dependable income may cover.
Evaluate how withdrawals, Roth conversions, and future RMDs may affect taxable income instead of viewing each decision separately.
Consider whether income decisions may cross Medicare IRMAA thresholds and create additional premium costs in a later year.
Decide which resources should provide liquidity, growth, dependable income, tax flexibility, and legacy value.
If the numbers raise questions about your retirement income, Roth conversions, future RMDs, Medicare premiums, existing annuities, or how your accounts should work together, we can review those pieces as one retirement strategy.