JobZakfWhat this tool answers
Calculate the present value of income your family would lose before retirement. It runs entirely in your browser, so nothing you enter is stored or sent.
How it works
Present value of an annuity: yearly replaced income times (1 minus (1+r) to the power minus n) divided by r.
Frequently asked questions
Why a discount rate?
Money received today can be invested, so future income is worth less in present terms.
Why 70%?
Many planners replace 60–80% of income because some costs fall away.
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Written and reviewed by Zain Shah, Founder and Editor. Updated October 2026. How we write.