Financial planning tools

Alpha's own calculators

12 calculators for the questions that come up mid-case, free to contracted Alpha agents. Sign in to use them.

• Required Minimum Distribution→

  The RMD a client must take this year, and an estimate of future required distributions.

• Beneficiary RMD→

  Required Minimum Distributions for somebody who has inherited a retirement account.

• 72(t) early distributions→

  IRS Rule 72(t) allows penalty-free early withdrawals from a retirement account. Work out the allowable distribution under each of the three methods.

• How long will retirement savings last?→

  How long a balance lasts against inflation-adjusted withdrawals.

• Social Security benefit estimate→

  An estimate of a client's Social Security benefit, and what claiming earlier or later does to it.

• Annuity Growth Calculator→

  Year-by-year accumulation on a single-premium MYGA, with a simple-interest mode for the products whose sheets are marked that way.

• MYGA Ladder Builder→

  Split a premium across several terms so money matures on a schedule. Per-rung maturity plus the blended yield.

• Target Value Solver→

  Work backwards from the client's goal: the rate, the years, or the premium needed to reach a number.

• Annuity vs CD Comparison→

  The tax-deferral argument with real figures, including the taxable equivalent yield a CD would have to beat.

• Income Payout Estimator→

  Turn a premium and a payout rate into a monthly figure, with the simple payback year.

• Surrender & Free Withdrawal Planner→

  What early access actually costs. Enter the contract's surrender schedule and see the net to the client.

• Commission Estimator→

  Model gross commission across a block of cases and see the blended rate the month actually pays.