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Run your own numbers

Free, no-signup calculators that estimate the two numbers retirement savers ask about most: the monthly income a lump sum can buy, and how a MYGA's after-tax growth compares with a CD's. Every result shows its assumptions and a plain-English caveat, because an estimate is not a quote.

Three calculators, more coming

Which number do you need to run?

Annuity payout calculator

How much monthly income will a lump sum buy? Enter an amount and see an estimate.

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MYGA vs CD calculator

Compare after-tax growth of a MYGA against a bank CD, side by side.

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RMD calculator

Estimate your required minimum distribution using the IRS Uniform Lifetime Table.

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More tools coming: Retirement income gap, Life insurance needs estimator. Want one of these now? An advisor can run it with you.
Common questions

Calculator questions, answered honestly

How accurate is an annuity payout calculator?
It is an educational estimate, not a quote. Ours uses illustrative payout factors and shows its assumptions under every result; a real payment depends on the carrier, your state, gender, start age, and the options you choose. Treat the number as a starting point and let an advisor turn it into carrier quotes.
Does the MYGA vs CD calculator account for taxes?
Yes, that is the point of it. A CD held outside a retirement account is typically taxed every year, while a MYGA defers tax until withdrawal, and that difference compounds over the term. The calculator shows both after-tax paths side by side, with the assumptions stated.
How much less does a joint life annuity pay than single life?
Covering two lifetimes means smaller checks, and the gap depends on both ages and the survivor percentage chosen; it is commonly a meaningful step down from the single-life figure. Run the single-life estimate in the payout calculator, then have an advisor quote the joint options against it.
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