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Planning calculators.

What our planning calculators 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 do…

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 don’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.

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.

  • Calculators
  • Links to outside calculators

Life insurance

How much Life Insurance do I need?

Life insurance proceeds

How long will my current life insurance proceeds last?

Current retirement savings

Are my current retirement savings sufficient?

Savings in retirement

I'm retired, how long will my savings last?

Retirement and living expenses

How will retirement impact my living expenses?

Retirement Income and 401(k)

How much retirement income might my 401(k) provide?

Annuity tax advantages

What are the tax advantages of an annuity?

Annuity value

What is the future value of an annuity?

Long-Term Care

How much do long-term care services cost?

Financial preparedness

What is your Financial Preparedness Index?

Student loans

Will I be able to pay back my student loans?

Savings goals

How much should I save to reach my goal?

Spending habits

How much am I spending?

Risk tolerance

Do you know what yours is?

529 college savings plan

What are the advantages of a 529 college savings plan?

Annual Percentage Rate (APR)

Will I save money if I pay my premium in a lump sum or in installments?

Tax deferral

Taxable vs. tax-advantaged savings?

Burial and final expenses

What are my needs for burial and final expenses?

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 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.