Calculators 72(t) The IRS Rule 72T allow penalty-free, early withdrawals from retirement accounts. Use this calculator to determine allowable 72T Distribution to show how it can help fund early retirement. Retirement Shortfall Running out of retirement savings too soon is one of the most important risks to a comfortable retirement. Use this calculator to find potential shortfalls in current retirement savings. RMD & Stretch IRA Use this calculator to help determine how retirement plan distributions can be stretched for as long as possible. Retirement Planner Quickly Determine if a retirement plan is on track – and learn how to keep it there. Retirement Income Use this calculator to determine how much monthly income retirement savings may provide during retirement. Pension Plan Retirement Options Use this calculator to illustrate the difference between joint survivorship and single survivorship pension options. Taxable vs. Tax Advantaged Investment Use this calculator to compare a taxable investment to a tax deferred investment and tax-free investment. Comprehensive Life Insurance Analysis How much life insurance do people need? This comprehensive calculator includes detailed net worth analysis, budgeting and college savings to find out. Life Expectance Calculator Use this calculator to estimate life expectancy based on current age, smoking habits, gender along with other important lifestyle choices. Estate Tax Planning Use this Calculator to estimate potential estate tax liability. Long Term Care This calculator can help determine if one is financially prepared for this impending expense. Disability Insurance Use this calculator to determine disability insurance needs. Net Worth This calculator helps determine net worth. It also estimates how net worth can grow (or shrink!) over the next ten years.