Planning Tools & Calculators
Explore our collection of free calculators and readiness tests to help you plan your finances, retirement, and second half of life with confidence.
Before 70 Readiness Test
Take our free 3-minute test to get a score across money, retirement, independence, family, and protection.
Take the testRetirement Reality
See how your current savings and monthly contributions could grow by the time you reach your planned retirement age.
Calculate growthRetirement Income Gap
Estimate the difference between the annual income you want in retirement and the dependable income you already expect.
Find your gapRetirement Runway
Use this simplified calculator to see how long your current savings might support withdrawals over time.
Check your runwaySavings Target
Work backwards from a future financial goal to estimate exactly how much you need to set aside each month.
Set your targetDownsizing Calculator
See how much cash a move to a smaller home could potentially release, and how annual housing costs might change.
Estimate equityCaregiving Costs
Estimate what unpaid caregiving may be costing you in travel, direct spending, and lost work time over a year.
Calculate costsAdult Children Support
Add up the monthly and one-off help you provide to your adult children to see what it costs you over time.
See the impactAdviser Fee Calculator
Enter your portfolio value to see what a percentage-based adviser fee actually costs you in dollars today.
Check your feesWidowhood Budget
Estimate how your monthly household budget might change if you suddenly had to manage on a single income.
Plan your budget
