Charitable Gift Annuity Calculator (2026): Income, Tax Deduction and What Your Charity Keeps A charitable gift annuity is one of the few arrangements that lets you give money away and get a paycheck for life in return. You transfer cash, stock or other property to a charity; the charity signs a contract promising you a […]
Premium Financing Life Insurance Calculator (2026): Loan, Collateral & Break-Even Rate Premium Financing Life Insurance Calculator Model a leveraged policy: loan balance, collateral calls, break-even crediting rate. Client age: 55 SexMaleFemale Death benefit (face): $10,000,000 Annual premium financed: $300,000 Funding period5 years7 years10 years12 years15 years Loan interest rate: 5.50% Policy crediting rate (gross): 7.00% […]
Most people buy life insurance once, file the policy in a drawer, and never look at it again. That is exactly how families end up with a policy that names an ex-spouse, has a loan eating the death benefit, or expires three years before the youngest child leaves home. This free Life Insurance IQ Quiz […]
Buy-Sell Agreement Funding Calculator 2026: Cross-Purchase vs Entity Redemption vs Wait-and-See Life insurance documents with calculator and pen A buy-sell agreement is a promise: when an owner dies, the surviving owners will buy that owner’s share, and the family will sell it at a price the document already defines. Writing the promise is easy. Keeping […]
In about half the states, a single dollar of monthly income over $2,982 makes you ineligible for long-term care Medicaid — no matter how large your nursing home bill is, and no matter how little you have in the bank. The fix is not a spend-down and not a gift. It is a Miller trust […]
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 […]
Gift Now vs. Inherit Calculator (2026): Estate Tax or Step-Up in Basis? Gifting now or inheriting later can change the estate tax bill and the step-up in basis. The image above frames the choice this Gift Now vs. Inherit Calculator handles: hand assets over today and use the annual gift exclusion, or let them inherit […]
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 […]
