Free research tool
Ask an AI about annuities.
Ask an AI about annuities.
Then come get your own numbers modeled.
AnnuityGPT is a free educational tool from SafeMoney.com. It answers general questions — how an income rider works, what a surrender period is, how fixed and variable products differ — the kind of reading most people do before they ever speak to anyone.
Use it. It is genuinely useful. Just know what it is and what it isn’t. It answers questions about products in general. It has never seen your account balances, your tax brackets, your Social Security claiming options, or the year you plan to stop working — so it cannot tell you what any of this does to your retirement income.
What the tool does, and what it can’t
| A general AI can tell you | Only modeling your plan can tell you |
|---|---|
| How an income rider is structured | Whether you need one at all, given what else you own |
| What a surrender schedule means | How much money you can afford to make illiquid |
| That delaying Social Security raises the benefit | What bridges the income gap in the years you delay |
| That a bad market early in retirement hurts | Whether your plan survives one — and what size buffer fixes it |
| That Roth conversions can lower lifetime tax | Which years to convert in, and how much, before IRMAA bites |
A general answer is a starting point. Your answer takes a model.
We build your plan in Retirement Analyzer — your accounts, your tax picture, your claiming options, your spending — and show you what each decision does to the income you can count on. The planning costs you nothing.