Retirement Expense & Income Calculator

Projecting and planning for retirement expenses just got easier for your clients, with the Retirement Expense & Income Calculator. Based on BLS Consumer Expenditure Survey data, Calculate Expenses provides a way for you to effectively project your client's expenses in retirement. Gap Analysis then calculates the difference between your client's essential income needs and guaranteed sources of income, identifying their income gap.

Monthly Retirement Expenses

Retirement Age:
Client Information



Today's Dollars
Future Dollars
How Will My Expenses Grow?
Monthly Expenses Inflated Through End of Plan Age in Future Dollars

Retirement expense projections are for illustrative purposes only and results may vary with each use and over time. Retirement expense projections generated by this tool are calculated by Jackson using 2016-2017 Bureau of Labor Statistics (BLS) Consumer Expenditure Survey Micro data and various measurements from the Bureau of Economic Analysis including the Regional Price Parity price index (RPP), the Consumer Price Index for the elderly (CPI-E), and the Personal Consumption Expenditures price index (PCEPI). For complete details regarding assumptions, calculations and definitions see Calculation Explanations.

IMPORTANT: The outcomes displayed in the Proposed Gap Solution are hypothetical in nature, do not reflect an individual's actual investment results and are not a guarantee of future results. This tool is for illustrative purposes only and is not representative of the past or future performance of any Jackson product. Results may vary with each use and over time. For more complete details regarding assumptions, refer to Hedgeness methodology.

Proposed Gap Solution Assumptions: Guaranteed Annual Withdrawal Rate: 4.75%; Bonus Rate 5.34%; Fund Expense: 0.53% - 2.14%; Living Benefit Charge 1.30%; Core Contract Charge: 1.30%

A variable annuity is a long-term, tax-deferred investment designed for retirement. The principal value of a variable annuity will fluctuate in value based on the performance of the underlying investments and may lose value. Earnings are taxable as ordinary income when distributed. Individuals may be subject to a 10% additional tax for withdrawals before age 59½ unless an exception to the tax is met.

Add-on living benefits are available for an extra charge in addition to the ongoing fees and expenses of the variable annuity and may be subject to limitations or conditions. There is no guarantee that a variable annuity with an add-on living benefit will provide sufficient supplemental retirement income

Guarantees are backed by the claims paying ability of the issuing insurance company and do not apply to the principal amount or the performance of a variable annuity's underlying investments.