Calculator 02
This estimates what your future earnings are worth today, how much coverage would replace them, and the gap between that and what you have in place.
About this calculator
- Future income grows by your expected annual raise each year until retirement, then is discounted back to today at 5% per year.
- The illustrative amount is the replacement percentage applied to that present value. The difference shown is that amount minus the coverage you already hold. It is an illustration for discussion, not a recommendation.
- The 10x income rule is shown only for comparison. This is a simplified illustration, not a formal needs analysis, and it does not consider debts, education costs, final expenses, existing benefits, or the terms and costs of any specific product.
This tool is for education only. The figures it produces are hypothetical illustrations, not predictions or guarantees, and it is not a needs analysis or a recommendation. It does not reflect the terms, costs, or performance of any specific product. Full disclosures appear at the foot of every page.
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