Menu Calculators How much retirement income will you need? How much life insurance is enough? What type of IRA is right for you? Our financial calculators are designed as educational tools to help you estimate answers to common financial questions. They are not intended to predict future returns or results. Simply click on one of the general financial topics below and you'll find a selection of easy-to-use calculators about related financial topics. These calculators are hypothetical examples used for illustrative purposes and do not represent the performance of any specific investment or product. Rates of return will vary over time, particularly for long-term investments. Investments offering the potential for higher rates of return also involve a higher degree of risk of loss. Actual results will vary. NYL Calculators Click Here Life Insurance How much Life Insurance do I need? Click Here Annuity Tax Advantages What are the tax advantages of an annuity? Click Here Current Retirement Savings Are my current retirement savings sufficient? Click Here Spending Habits How much am I spending? Click Here Savings in Retirement I'm retired, how long will my savings last? Cosio Financial Services, Inc. Juan L. Cosio Lillian J. Cosio 11020 N. Kendall Drive Suite 100 Miami, FL 33176 Office: 786.275.1333 Fax: 786.275.1334 Calculators Spending Habits How much am I spending? Current Retirement Savings Are my current retirement savings sufficient? Savings in Retirement I'm retired, how long will my savings last? Life Insurance How much Life Insurance do I need? More Calculators » Newsletters Gift vs. Inheritance: Consider the Tax Difference When deciding whether to gift assets now or transfer them to heirs at death, you need to understand step-up in basis and tax consequences. More Newsletters » Subscribe to our Newsletter SIGN UP HOME HOMEPAGE ABOUT US Working Together About Us Our Team Our location Productos en Espanol 10 Reasons why you should call me Not Your Parent's Financial World Tell A Friend Photo Gallery PRODUCTS & SERVICES For Professional Advisors RESOURCES Business Solutions Calculators Education Center Newsletters REQUEST A QUOTE Life Insurance Fixed Annuity ACCOUNT ACCESS Online Account NYLIFE Securities MainStay Mutual Funds CONTACT US Disclosures | Privacy Policy | Site Map Copyright 2021. New York Life Insurance Company. All Rights Reserved. NYLIFE Securities LLC, Member FINRA/SIPC.