Medicaid Compliant Annuity Calculator (2026): Close the Community Spouse Income Gap A Medicaid-compliant annuity converts countable assets into a qualified income stream. The image above echoes the Medicaid Compliant Annuity Calculator below: an annuity schedule turns a lump sum of countable assets into a compliant income stream that Medicaid rules let one spouse keep. When […]
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Inheritance Tax Calculator (2026): What Heirs Owe in the 5 States That Still Tax Inheritances Prefer a walkthrough of how a beneficiary designation keeps money out of probate and out of a state tax bill? Watch this: Estimate the inheritance tax one beneficiary owes in Pennsylvania, New Jersey, Maryland, Kentucky or Nebraska, 2026 rules. State […]
QLAC Calculator (2026): How Much Guaranteed Income Will a Qualified Longevity Annuity Pay? Most retirement calculators tell you how much money you will have. This one tells you how much guaranteed income for life a slice of your IRA can buy — and how much tax you can defer while you wait. A qualified longevity […]
Life Expectancy Calculator (2026): How Long Will You Need Life Insurance? Most life insurance calculators tell you how much coverage to buy. Almost none tell you how long to buy it for, or how likely it is that the policy ever pays a claim. This life expectancy calculator answers both questions using the official Social […]
Medicaid Estate Recovery Calculator (2026): How Much Can the State Take Back? When Medicaid pays for a nursing home, an assisted-living facility, or home-based long-term care, federal law allows the state to file a claim against the recipient’s estate after death. The rule has been on the books since 1993, but most families first learn […]
Probate Cost Calculator (2026): What Estate Settlement Really Costs Your Heirs Probate is the court-supervised process that transfers assets you own in your own name after you die. It is also the single largest avoidable expense in most estates. In states with statutory fee schedules, attorney and executor fees alone run 3% to 8% of […]
Group-Term Life Insurance Imputed Income Calculator (2026): What Employer Coverage Over $50,000 Really Costs Your employer’s group life insurance is not free. The IRS lets an employer exclude the cost of the first $50,000 of group-term coverage from your wages, but every dollar of coverage above that limit is turned into something called imputed income […]
Your employer’s group life insurance is the cheapest coverage you will ever own — and it disappears 31 days after your last day of work. When you change jobs, you get exactly one short window to decide what happens to that coverage, and the four available paths cost wildly different amounts over the next 20 […]
Life Insurance on a Spouse in 2026: Rules, Insurable Interest & How Much to Buy Insuring a spouse protects the income and caregiving each partner provides. The image above pairs with this guide to buying life insurance on a spouse: whether you’re the breadwinner or the caregiver at the table, the policy math works the […]
