Free financial calculators
Every number you need to make a confident annuity decision — 3 free calculators for guaranteed payout income, retirement-income planning, and MYGA vs. CD. Real formulas, shown work, no email gate.
Annuity calculators
3 free tools
Annuity payout calculator
Estimate the guaranteed monthly income a given premium can buy.
Estimate my income →
Retirement income calculator
Map savings, Social Security and annuities into a monthly paycheck.
Build my plan →
MYGA vs. CD calculator
The after-tax winner for your premium and tax bracket.
Pick the winner →
Calculator FAQs
Are these calculators really free?
Yes — every calculator on Track Retirement is free to use with no sign-up, no email gate, and no paywall. You can run them as many times as you like.
Do you save or sell the numbers I enter?
No. The calculators run entirely in your browser. The figures you type are not stored on our servers or sold to anyone. You only share information if you choose to request quotes through a separate form.
Are the results financial advice?
No. These tools provide educational estimates based on the inputs you provide and standard formulas. They are a starting point for a confident decision, not personalized financial, tax, insurance, or investment advice. For advice tailored to your situation, speak with a licensed professional.
How accurate are the estimates?
The formulas are standard (payout per $100,000 of premium, compound growth, after-tax comparison), but the inputs are illustrative, dated examples, so treat the results as a starting point. An actual payout or rate depends on the carrier, your state, your exact age and the rates in force on the day you buy, which is why each tool links to a way to reach a licensed agent.
How often are the calculators updated?
The formulas are stable. The rate and cost assumptions baked into the defaults (SPIA payout levels, MYGA examples, CD and Treasury benchmarks) are illustrative starting figures, not a live feed; each calculator shows the date its figures were last checked. Treat them as a representative starting point and confirm current rates with a licensed specialist.