Free 2-Minute Tool
How Solid Is Your Retirement Income, Really?
Most people have no idea how their income plan is going to work in retirement. Enter a few numbers and get a quick sense of where you stand.
A quick look at the course before you tee off.
Your NEEDS Gap
$2,600/mo
This is the gap a guaranteed income annuity is designed to fill. Cover your NEEDS first — then your investments are free to grow for your WANTS.
The math:
$5,000/mo NEEDS − $2,400/mo guaranteed income = $2,600/mo gap
Your WANTS Coverage
With NEEDS covered by guaranteed income, your portfolio is free for the extras.
At a 4% annual draw
Your portfolio comfortably covers your WANTS at a conservative 4% draw, with room left over.
Projected Portfolio Balance
Your flat-rate projection, plus two real 28-year historical sequences — a 1998 retiree (two bull runs, two crashes) and a 2000 retiree (sequence-of-returns risk at its worst).
1998 Retiree
Ended year 28 with $1,800,766.
2000 Retiree
Depleted at age 83.
Same savings, same withdrawal, same person — just born two years apart. That's sequence-of-returns risk.
Want to see how an annuity might help OR hurt your situation?
This calculator is a thumbnail. On a free 15-minute call, Jed runs your actual numbers through AGSimulator against every 30-year rolling historical period — with and without an annuity layered in. Sometimes it helps. Sometimes it hurts. You'll see both honestly before anyone recommends anything.
Want to See What Filling This Gap Looks Like?
Talk it through with Jed. He can walk you through what kind of income annuity fits your NEEDS gap, and what your portfolio looks like once it's freed up to focus on WANTS and growth.
Hypothetical illustration for education only. Not a projection, recommendation, or guarantee. Historical scenarios use annual total returns for the S&P 500 Total Return Index and the Bloomberg US Aggregate Bond Index (1998–2025), blended per the slider above, reinvested, and gross of taxes, fees, and inflation adjustments. Past performance does not predict future results. Actual outcomes depend on the real sequence of returns, withdrawal timing, taxes, fees, and cash-flow decisions not modeled here. Consult a licensed professional. See our full disclaimer.