Abstract: A lifetime income analysis tool (LIAT) that includes a client-based application that provides selective information relating to an individual's retirement. The client-based application processes the selective information to be sent as a request. A server-based application receives the request and processes the request to evaluate the feasibility of an individual's retirement income goal. The server-based application also provides a customized estimate of expected future monthly income needed to cover a broad range of health-care costs in retirement utilizing a plurality of LIAT factors. The server-based application sends its findings as a response to the client-based application for viewing by a user.