# Financial Tools and Calculators | Lighthouse Legacy Strategies

> Free financial calculators covering life insurance needs, coverage gaps, retirement income and longevity. No contact details required to see your result.

Canonical page: https://lighthouselegacystrategies.com/financial-tools

# Financial Tools and Calculators

Better financial decisions start with better information. These tools are free, nothing is stored, and no contact details are required to see your result.

## Pick the question you actually have

Each tool answers one question and shows its working. None of them ask who you are before showing you the result.

## Protection

### Life Insurance Needs Calculator

Work out what your family would actually need, then subtract what already exists.

### Life Insurance Coverage Gap Calculator

The fast version. Seven questions to see whether you are underinsured.

### Financial Protection Score

Eight questions across protection, savings, retirement and legacy. One score.

## Retirement and Wealth

### Retirement Income Gap Calculator

Add up the income you already expect, then compare it to the life you want.

### Retirement Savings Calculator

Carry your savings and contributions forward, using a return you choose yourself.

### How Long Will My Money Last

Enter a balance and a monthly withdrawal, and see how many years it stretches.

### Cost of Waiting Calculator

Same contribution, same target date, later start. See what the delay costs.

## Health and Longevity

### Long-Term Care Cost Calculator

Put a number on a care event, in today's money and in future money.

### Health Insurance Total Cost Calculator

Premium is only half the price. Compare two plans on what a year really costs.

## Legacy

### Legacy and Estate Goal Calculator

What would actually pass on, set against what you intend to leave.

This tool is educational and does not provide financial, investment, tax, legal or insurance advice. Results are estimates based only on the information you enter and the assumptions shown, they are not a quote, an offer of coverage or a promise of any outcome, and your actual situation will differ. Insurance guarantees are backed by the claims paying ability of the issuing insurance company. Speak with a licensed professional before acting on anything you see here.

## Ran the numbers? Bring them to a conversation.

Twenty to thirty minutes, no product presented and no application opened. The tools give you a starting point. The conversation is where the trade-offs get discussed.

---

Lighthouse Legacy Strategies, the independent insurance practice of Sharon Donovan, a licensed life insurance and annuity agent in Arkansas, Missouri and Texas, based in Little Rock, Arkansas. Retirement income planning, annuities, life insurance and IUL with living benefits, final expense and mortgage protection.

Sharon Donovan (501) 516-9456 (call or text), sharon.donovan@wealthwave.com. By appointment, including evenings. Most consultations happen by phone or video.

Important disclosures: Lighthouse Legacy Strategies is an independent insurance practice. Sharon Donovan is a licensed insurance agent (NPN 18170848) in Arkansas, Missouri and Texas. This website is for educational purposes only and is not financial, tax, legal or investment advice. Guarantees are backed by the claims-paying ability of the issuing insurance company. Policy loans and withdrawals reduce cash value and death benefits. Not affiliated with any government agency. Full set: https://lighthouselegacystrategies.com/disclosures

Powered by [Launch Automation](https://launchautomation.ai/websites/)