The single most important question in retirement planning: how much do you actually need coming in every month? Six quick questions and we'll show you.
Step 1 of 617%
What's your housing situation going to look like in retirement?
Pick the one that's most likely.
Do you have a plan for long-term care expenses?
Nursing care, in-home aides, memory care — the average U.S. cost is $4,500–$9,000/month.
What kind of lifestyle do you want in retirement?
There are no wrong answers — this just adjusts the target.
Which of these best describes how you spend right now?
Doesn't change the math — just helps us understand where you're starting from.
How old are you today?
A number is fine — no need for exact.
What's your monthly take-home income right now?
After taxes. If your income varies, use a typical month.
$
Congratulations — you found your number.
Your monthly retirement income target:
$—
per month, for the rest of your life
Knowing this number is the single most important step toward building a confident, secure retirement. You're already ahead of most people, who never do this exercise at all.
The number above is based on the same "replacement income" method used by Fidelity, T. Rowe Price, and Vanguard — adjusted for your housing situation, lifestyle plans, and long-term care coverage.
So the real question:
How will you make sure that money actually shows up every month, for the rest of your life?
Great — let's make sure it fits.
The free audit pulls the actual contract details from your carrier, walks you through every fee and guarantee in plain English, and tells you honestly whether it's still the right fit for the number you just calculated. About 10–15 days, no cost, no pressure.
Beyond annuities, our team helps with rollovers, IUL, long-term care, and building the full plan around your number. Tell us where you are and someone will reach out.
Is your number accurate?
You might be surprised if your retirement number is close to your current income — especially if retirement is right around the corner. That's normal, and actually a sign of accuracy: research shows that if your current income is meeting your needs today, you'll likely need roughly the same amount after you retire.
The calculator adjusts down when housing is paid off or lifestyle is modest, and adjusts up if you'll still have a mortgage, want an active retirement, or don't have long-term care coverage yet.
Feeling a little uneasy about the number?
You're not alone. Most people we talk to feel some version of "I'm not sure I've saved enough" or "I don't really want to look at this closely." That's completely normal — and often it's why they haven't done this exercise before now.
Our team is here to guide you, not judge you. We're focused on helping you find a plan, not evaluating your past. You've already taken the bravest step by facing the number head-on. Now let's help you turn it into reality.