Personal Retirement Income Analysis

To calculate your Guaranteed Income Gap and find out how much you will need to fill that gap, complete the fields on this interactive worksheet and click on the submit button for results.

Current Age entered must be between 50 and 80 with Age at time of Withdrawals less than or equal to 95. 

This benefit cannot be purchased before age 50 or after age 80. Calculation does not reflect inflation or any increases to the guaranteed withdrawal base that may result from the 6% Compounding Roll-Up and the Annual Ratchet.

This income analysis is to help you understand your anticipated retirement expenses and income sources. The calculations are based solely on information provided by you. No representations, warranties or guarantees are made as to the accuracy of any projections or calculations.

Annuities are issued by ING USA Annuity and Life Insurance Company (Des Moines, IA), member of the ING family of companies.

All guarantees are based upon the financial strength and claims-paying ability of ING USA Annuity and Life Insurance Company, which is solely responsible for all obligations under its contracts. Products and features may not be available in all states and are subject to change. Fixed index annuities are insurance contracts that, depending on the contract, may offer a guaranteed annual interest rate and earnings potential that is linked to participation in the increase, if any, of an index or benchmark.

Withdrawals may be subject to Federal/State income tax and, if taken prior to age 59 1/2, an additional 10% Federal penalty tax.

All distributions from qualified annuities may be taxable. State premium taxes may reduce the final value of your annuity.

IRAs and other qualified plans already provide tax-deferral like that provided by an annuity. Additional features and benefits such as contract guarantees, death benefits and the ability to receive a lifetime income are contained within the annuity for a cost. Please be sure the features and costs of the annuity are right for you when considering the purchase of the annuity.

Neither ING nor its affiliated companies or representatives offer legal or tax advice. Consult with your tax and legal advisors regarding your individual situation.

Please note that the likelihood of obtaining value from the ING IncomeProtector Withdrawal Benefit rider decreases as issue ages increase. In order for owners issue age 75 and above to benefit from this rider, the interest credited to your accumulation value must be significantly less than would have been credited based on historic averages. Depending on your age and the interest credited to your accumulation value, deferring your income stream may significantly reduce the likelihood of obtaining value from the ING IncomeProtector Withdrawal Benefit.

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