Planning Tools

What Our Planning Tools Do
They can help you begin planning for your financial future. Simply by inputting some basic financial information and assumptions, you'll take the first steps to meeting important financial goals.

And What They Won't...
They cannot provide you with any final answers. Purely mechanical devices, calculators allow you to perform "hypotheticals," recalculating and generating new results as you input differently and make new assumptions. But they can't take every assumption into account, they can't consider all the information relevant to your needs, and they obviously can't make decisions for you. For that you'll want to learn more about the issues. Using these tools and educating yourself on the workings of life insurance and other financial products can help you feel more comfortable when discussing your needs with such professionals as your New York Life agent.

Calculators

Life Insurance
How much Life Insurance do I need?

Roth IRA
Helps you make decisions about IRAs.

College Education
Helps you make decisions about saving for a college education.

New! Budget Calculators
Calculators for spending, saving, and investing decisions.

Retirement Calculators
Calculators for spending, saving, and investing decisions.

Links to Outside Calculators
Please note: clicking on these links means you will be leaving this Web site and you assume total responsibility and risk for your use of the site(s) you are visiting. This information is being provided strictly as a courtesy.
Business Calculators Business calculators and other tools including: Starting Costs Calculator, Investor Offering Calculator, Email ROI Calculator, Pay Per Click ROI Calculator, Cash Flow Calculator... Benefit Calculators The calculators will show your retirement benefits as well as disability and survivor benefit amounts on your record if you should become disabled or die today. Social Security Benefit Calculator Download The Office of the Actuary, Social Security Administration, produces a Social Security Benefit Calculator. It produces the Social Security benefit for an old-age, survivor, or disability claim, given the characteristics of a particular worker (such as birth date, past earnings, and type of benefit). It also produces the "primary insurance amount" (PIA), "maximum family benefit," the actuarial reduction or increment factor (for early or delayed retirement), and the monthly benefit amount (MBA). Social Security Quick Calculator Benefit estimates depend on your date of birth and on your earnings history. For security, the "Quick Calculator" can not access your earnings record; instead, it will estimate your earnings based on information you provide. Retirement Worksheet The Ballpark Estimate is an easy-to-use, one-page worksheet that helps you quickly identify approximately how much you need to save to fund a comfortable retirement. IRS Withholding Calculator The purpose of this application is to help employees ensure that they do not have too much or too little income tax withheld from their pay. CPI Inflation Calculator The CPI inflation calculator allows customers to calculate the value of current dollars in an earlier period, or to calculate the current value of dollar amounts from years ago. SEC Mutual Funds Cost Calculator The Mutual Fund Cost Calculator enables investors to easily estimate and compare the costs of owning mutual funds. ICI Investment Calculator Calculates any one of the following six values when you enter the other five: starting amount, interest rate earned on savings, final amount needed, number of years and months invested, additional amounts invested, frequency of additional amounts invested. ICI Effect of Taxes and Inflation on Your Return Calculator This analyzer calculates the future value of your savings plan based on the savings information that you designate.

Worksheets

Unclaimed Funds Finder
Helps you find unclaimed funds and restore them to beneficiaries!
Business Strategy Fact Finder & Personal Agent Match
Prepares business owners to make important life-insurance related business decisions.
Need an Annual Review?
One of our agents will help review your financial situation at no cost or obligation to you.
Annual Review Checklist
Use this checklist to prepare for an annual review with a professional New York Life agent.
Two-Minute Life Insurance Needs Self-Review
Use this checklist to prepare for a meeting with a professional New York Life agent.
Disability Income Insurance Worksheet
You may want to print this worksheet and use it to prepare for a meeting with a professional New York Life agent.

Product Comparison Tools

Fixed Deferred Annuity Product Comparison Tool

Consult an Agent
At no charge to you, a New York Life agent — professionally trained and experienced — can help you analyze your needs and recommend appropriate solutions through insurance and financial products and concepts. Request a no obligation review with a New York Life agent.

New York Life Insurance and Annuity Company does not provide tax, legal or accounting advice. Please consult your own tax, legal or accounting professional before making any decisions.

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