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Calculators & Tools

Use our calculators to understand your financial needs, then chat with one of our financial professionals to help you reach your goals.

Life Insurance Calculator

If you’re wondering, “How much life insurance do I need?” then our life insurance calculator can provide you with some quick answers. After you calculate your life insurance estimate, consider contacting a financial professional to discuss your individual situation.

Disability Insurance Calculator

If you were too sick or injured to work, do you have enough income to cover your living expenses? Use the disability insurance calculator to find out. 

Modal Charge Disclosure and APR Calculator

Use this calculator to determine the total dollar amount and the annual percentage rate (APR) for any additional charge you may incur if you pay your annual premium in installments.

Retirement Savings Calculator

Whether you’re starting a career or getting closer to your last day of work, our retirement savings calculator helps you figure out how much to save for retirement.

Retirement Income Gap Calculator

Use the retirement income gap calculator to understand what your expenses may be in retirement and calculate the gap between those expenses and your guaranteed income.

Required Minimum Distribution Calculator

Use the required minimum distribution calculator to determine how much you must withdraw from your retirement account.

Traditional 401(k) vs. Roth Contribution Calculator

The traditional 401(k) vs. roth contribution calculator can help you decide which account type may better prepare you for retirement.

College Savings Calculator

Saving for college doesn’t have to feel like homework. Use our college savings calculator to help you estimate how much to save for college tuition.

Investor Profile Quiz

Your investment strategy should reflect the kind of investor you are. This quiz is designed to suggest an investment strategy that may be right for your retirement savings based on your personal risk tolerance and financial situation.

Key Employee Value Calculator

Use the key employee calculator to help you determine how the loss of a key employee could affect your business.

Business Valuation Calculator

Get an idea of what your business is worth and what it might cost for a business partner to buy your share of the business if you become disabled.

Securities offered through registered representatives of MML Investors Services, LLC, Member SIPC® ( and FINRA ( and a MassMutual subsidiary, 1295 State Street, Springfield, MA 01111-0001.