Kaz Financial Group  /  Calculators

Run the numbers.
Then talk about them.

Eleven tools covering insurance, retirement, college, investing and business ownership. They're a fast way to size a question — not a substitute for a plan built around your whole balance sheet.

Insurance

Life insurance

How much life insurance do I need? Get a quick estimate, then bring it to a conversation about your actual situation.

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Insurance

Disability income

If you were too sick or injured to work, would your income still cover your living expenses?

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Insurance

Modal charge & APR

Find the total dollar cost and annual percentage rate of paying your annual premium in installments.

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Retirement

Retirement savings

Whether you're starting out or close to your last day of work, see how much to put away.

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Retirement

Retirement income gap

Estimate your expenses in retirement and the gap between those and your guaranteed income.

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Retirement

Required minimum distribution

Find how much you're required to withdraw from your retirement account this year.

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Retirement

Traditional 401(k) vs. Roth

Compare the two account types to see which may leave you better prepared.

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College

College savings

Estimate how much to save for tuition, and what it takes to get there from here.

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Investing

Investor profile quiz

A short quiz that suggests an investment approach based on your risk tolerance and situation.

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Business

Key employee value

See how the loss of a key employee would affect the business you've built.

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Business

Business valuation

Get an idea of what your business is worth, and what a partner's share might cost to buy out.

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These calculators are hosted and maintained by MassMutual and open in a new tab. Results are estimates based on the assumptions you enter — they don't account for taxes, fees or inflation unless stated, and they aren't a recommendation. Bring the output to a strategy session and we'll pressure-test it against everything else you own.

Go deeper

A calculator answers one question. We plan for all of them at once.

See what the same capital looks like measured across a lifetime, your children's, and your grandchildren's.