Retirement Calculators| Lord Abbett

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Retirement Calculators

Use these calculators to help address a wide range of retirement planning needs. In addition to these tools, you can also take advantage of convenient retirement resources that include educational materials, articles, forms, and frequently asked questions - designed to guide you to make informed decisions.

Retirement Calculators

Savings and Income

This pre-retirement calculator will help you determine how well you have prepared and what you can do to improve your retirement outlook. It is important that you review and update your goals as necessary. Changes in economic climate, inflation, taxes, investment returns, and your personal situation can impact your retirement saving plan.

Retirement income amounts can vary widely depending on variety of factors such as tax rates, sate of residence, and inflation. Our calculator will help estimate your monthly and annual retirement income. 

Compensation for a self-employed individual is that person's earned income. The starting point to determine the individual's earned income is the net profit amount from the Schedule C (Schedule K-1 for a partnership). Our calculator will assist in determining your maximum allowable contribution for a Simplified Employee Pension Plan (SEP) IRA.


72(t) Early Distribution Illustration helps you explore options for taking IRA distributions before reaching age 59½ without incurring the IRS 10% early distribution penalty tax. Internal Revenue Code (IRC) Section 72(t)(2)(A)(iv) defines these distributions as Substantially Equal Periodic Payments (SEPP). IRS has approved three methods to calculate a SEPP distribution: annuitization, amortization, and required minimum distribution.

You've spent your career accumulating funds in your retirement account. Did you know that taking a cash distribution could affect your ability to meet your future retirement income needs. What long-term gains are you giving up for cash on hand now?

A Roth IRA offers the potential to create tax-free income. However, when you convert pretax assets into a Roth IRA, you will generally pay income tax on the converted amount.

Upon turning age 72, you must begin making required minimum distributions (RMDs) from your traditional IRA and certain other retirement accounts. RMDs must be taken annually and are calculated based on age, prior year end account balance, marital status, and your spouse's age.

If you do not satisfy your annual RMD, you may be subject to a 50% penalty tax on the amount you were supposed to withdraw but didn’t.

Legacy Planning

"Stretch" is a wealth transfer-estate planning strategy whereby a non-spouse beneficiary of your IRA had the ability to “stretch" distributions using their life expectancy from an inherited IRA. Thus, the potential to "stretch" IRA distributions over decades. However, the "stretch" IRA option has been curtailed due to the passing of the Setting Every Community Up for Retirement Enhancement Act (SECURE) Act. Effective for deaths occurring on or after January 1, 2020, most non-spouse beneficiaries will have the lost the “stretch” and instead will be required to distribute all inherited assets in 10 years after the death of the account owner.


  SEP IRA Flyer
  Rollovers Made Easy Flyer
  IRA Application
  IRA Transfer Form
  IRA Brochure

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