Calculators

How Much of My Social Security Benefit May Be Taxed?

Use this calculator to determine how much of the Social Security benefit may be subject to income tax.

Effective Tax Rate Estimator

Federal income tax is calculated using a progressive tax structure, meaning that your effective tax rate is lower than your income-tax bracket. As this calculator shows, even if taxable income shows you in a particular income-tax bracket, overall, you benefit from being taxed at the lower brackets first.

Tax Cuts and Jobs Act Savings Estimator

Use this calculator to estimate your client's potential income-tax cut (or additional liability) under the Tax Reform compared to the old system.

Power of Tax Deferral Calculator

Use this tool to illustrate the power of tax deferral by comparing client tax situations with taxable and tax-deferred accounts during all retirement phases.

Retirement Income Gap Calculator

Use this simple, interactive tool to help clients identify potential gaps between their expected sources of guaranteed income and their essential future expenses.

Net Unrealized Appreciation (NUA) vs. IRA Rollover Calculator

Use this calculator to help determine the tax implication of net unrealized appreciation from an employer's qualified plan versus an IRA rollover.

Social Security Retirement-Income Estimator

Use this calculator to estimate the income from Social Security retirement benefits.

How Much Can I Contribute to an IRA?

Use this calculator to help determine eligibility and maximum contribution amounts for both traditional and Roth IRAs.

Self-Employed Retirement Plan Maximum Contribution

Determine the maximum contribution amount for the different types of small-business retirement plans, such as Individual(k), SIMPLE IRA, or SEP-IRA.

Retirement Income Translator

Help clients learn about the value of lifetime income with our personalized tool.

Should I Convert to a Roth IRA?

Use this calculator to help determine whether or not to convert to a Roth IRA.

Income & Expense Calculator

Use this calculator to help clients in or near retirement track their current monthly expenses and monthly income.

Sequence of Returns Calculator

Use this calculator to help clients understand the concept of sequence of returns.

Longevity Calculator

Use this calculator to help clients understand the concept of longevity.

Inflation Calculator

Use this calculator with clients to help them visualize the concept of inflation.

How Long Will It Take to Double My Savings?

Use this tool with clients to help them determine the amount of time it would take for their money to double in value.

Healthcare Expense Analyzer

Provide information and receive a customized report to help estimate clients' healthcare expenses in retirement. 

Social Security Analyzer

Receive a report comparing three Social Security benefit strategies designed to help maximize your client's retirement income.

Nonqualified Distributions (Stretch) Calculator

Use this calculator to see contract owner and surviving spouse contract and cost basis values in addition to beneficiary distribution options.

Substantially Equal Periodic Payments Planner [72(t) & 72(q)] Calculator

Use this tool to calculate the three payment methods and illustrate the program year by year.

What Is My Current Year Required Minimum Distribution (RMD)?

Find the required minimum distribution amount based on age, prior-year IRA plan balance, marital status, and spouse's age.

Inherited IRA Distributions Calculator

Use this calculator for a hypothetical projection of the required minimum distribution for an individual and their IRA beneficiary.